Can I get compensation without filing a lawsuit? 

Yes, you can! By maintaining detailed records and ensuring documentation regarding the accident is kept up to date and in order, you can make a copy available to the insurance company. They may agree to a reasonable settlement.

However, in most cases, the insurance company is less than enthusiastic about fulfilling their obligations. Insurance companies are for-profit corporations with bottom lines, and we have found that they sadly conduct themselves in this manner as well.