If there was only one other driver, and the accident was clearly his or her fault (you got rear-ended for example) and the other driver’s insurance company is accepting liability, this is a case you can probably settle yourself. In a more unusual case where a “non-contact vehicle” caused the accident (another driver caused the accident but did not make physical contact with your car and left the scene) you may have a claim under your own policy, and you should consult an attorney to evaluate your options in this situation.