In reality, you shouldn’t. You have just suffered a traumatic event and you need an experienced representative. The most important thing to know is that you should never sign insurance forms immediately following an accident. Doing so can limit your ability to get the compensation you deserve. Insurance companies have a formula to determine how much they are going to offer you based on the circumstances of your accident. That number is almost always too low to cover your losses. After all, an insurance company is a business, and they’re trying to save as much money as possible.