DON'T SETTLE FOR LESS
The First Offer Was
A Test.
You were in an accident. You’re still dealing with the doctor visits. And the offer they sent feels like a slap.
One-time payment. Lifetime access. 60-day action-based guarantee.
THE FIRST OFFER WAS NEVER RANDOM
The Insurance Company
Has A System.
Three days after you reported the accident, an adjuster typed your case into a software platform called Colossus, ClaimIQ, or Mitchell Decision Point. That platform ran your injuries through a settlement formula. It pulled comparable cases from a national database. It flagged anything you said, did, or failed to do that could lower the value. Then it spit out a number.
That number is now the anchor. Every offer they make to you flows down from it. And here is the part most people never figure out: The number the software gives them is almost always the floor of what they would pay. Not the ceiling. Not the middle. The floor.
The first offer is built to test you. Will you accept it? Will you push back? Do you know what your claim is actually worth, or are you guessing? If you guess, you lose. Every time.
THREE CRITICAL MISTAKES
Why Claimants Leave Money
On The Table
Mistake #1: Treating The Adjuster Like A Neutral Party
The adjuster sounds friendly. They take your call. They say things like, “We want to get this resolved for you.”
What is actually happening: every single thing you say is being typed into a claim file. That file is being reviewed by a supervisor. Anything you say that suggests your injury is minor, that you went back to work too fast, that you waited too long to see a doctor, or that you have a prior injury history, all of it lowers the number the software gives them next time.
They are not your enemy. But they are not your friend. They are a trained negotiator working for a company whose only job is to pay you as little as legally possible.
Mistake #2: Documenting Like A Victim Instead Of A Plaintiff
Most people show up to the negotiation with a stack of medical bills and a story about how much it hurt.
That is not evidence. That is testimony. And testimony alone gets you a fraction of what documented, organized, dated evidence gets you.
The carrier’s software does not care how it felt. It cares what is in writing, what is in the records, what is timestamped, and what is corroborated.
Mistake #3: Negotiating Emotionally
When the first offer comes in low, and it will, most people get angry. They call back. They argue. They threaten.
None of that moves the number. What moves the number is a written demand letter with specific dollar figures tied to specific documented damages, sent to a specific person, with a specific deadline.
The carriers know this. Their training literally teaches adjusters that claimants who do not send a real demand letter will eventually settle for whatever the software told them to offer.
26-MODULE CURRICULUM
A Step-By-Step
Framework
Everything you need to handle your claim from the day of the accident through the final settlement check.
PHASE 1
FOUNDATION
- Module 00: Orientation
- Module 01: Claims 101
- Module 02: The First 48 Hours
- Module 03: Opening Your Claim
- Module 04: Medical Treatment
- Module 04A: Gap in Treatment
PHASE 2
BUILDING CASE
- Module 05: Evidence Gathering
- Module 06: Medical Records
- Module 07: Life Impact
- Module 08: Lost Wages
- Module 09: Insurance Tactics
PHASE 3
VALUATION
- Module 10: Rules They Broke
- Module 11: Claim Value
- Module 12: Policy Limits
- Modules 13-20: Specific Accident Types
PHASE 5
DEMAND & CLOSE
- Module 21: Advanced Negotiation
- Module 22: Liens & Subrogation
- Module 23: Settlement Release
- Module 24: Demand Masterclass
WHO BUILT THIS
Inside The
Playbook
I’m Peter Barnett. I’m a licensed personal injury attorney in Washington and Oregon.
For the last decade I’ve watched something I could not unsee. Smart, capable people walking away from claims for a fraction of what they were worth. Not because they had bad cases. Because nobody ever taught them how the other side actually works.
The carriers have a process. They have software. They have scripts. They have a training program for adjusters that runs hundreds of hours. The person on the other side of the phone, the one trying to figure out what their own case is worth, has Google and a stack of medical bills.
DIY Injury Academy is what I would hand a family member if they got hurt and could not afford to give up a third of their settlement to a lawyer. It is the system, the templates, the calculator, the scripts. Everything I wish every claimant walked into negotiations holding.
Peter Barnett, Esq.
Founder, DIY Injury Academy
Licensed Attorney: WA + OR | 10+ years practice
WHAT'S ACTUALLY INSIDE
Look Inside The
Academy
This is a brand new program. We are launching with our founding cohort right now. So instead of stock testimonials and recycled social proof, here is what you can actually see today: the course portal, the templates, the app, and the credentials behind it all.
Course Portal: Step-by-step curriculum dashboard.
Injury Buddy App: Mobile companion for your claim.
Master Template: Demand letter with clause annotations.
Claim Calculator: The exact math formulas adjusters use.
Beta Feedback From Our Founding Cohort
(Quotes shown below are from beta testers reviewing the curriculum and templates during the pre-launch period. All testers participated voluntarily and were not compensated for their reviews. First names and initials used for privacy.)
"The demand letter masterclass alone was worth the price. I finally understood exactly how to structure the document so the adjuster couldn't ignore it."
S.K.
Bellevue, WA
"Having the exact calculator they use changed how I looked at my settlement. I went from guessing to knowing exactly what my floor should be."
M.R.
Portland, OR
"I walked into my negotiation with a binder of organized evidence. The adjuster's tone changed immediately when they saw I wasn't just guessing."
J.D.
Seattle, WA
Choose Your
Path
Same system. Three levels of depth. Pick the one that fits your case and your timeline.
TIER 1
Academy
$397 one-time
For the person whose case is straightforward and who wants the full system at the entry price.
- All 26 course modules.
- Core template library (5 cheat sheets).
- Claim Value Calculator.
- Private member community access.
- Lifetime content access.
- 60-day action-based guarantee.
- Claims Process Roadmap.
- Evidence Master Checklist.
- What to Say / Not to Say Card.
- Daily Injury Journal Template.
- The First 48 Hours Quick Action Card.
TIER 2
Academy Pro
$697 one-time
For the person who wants the full system plus the working files and advanced tools to handle anything.
- Everything in Academy, plus:
- Full 15-template editable library (Word/PDF).
- Injury Buddy app access (time-limited).
- Negotiation scripts (phone and email).
- 8 advanced training bonuses.
- Adjuster Tactics Quick Reference Card.
- Priority member community access.
- Master Demand Letter Template (6-section).
- Medical Records Request Letter.
- Preservation of Evidence Letters.
- Counter-Offer Response Letter.
- Settlement Release Review Checklist.
- Claim Value Calculator Worksheet.
- Expense and Damages Tracker (Excel).
TIER 3
Academy Elite
$1,497 one-time
For the person who wants every tool, template, and lifetime access to everything we ever build.
YOUR THREE REAL OPTIONS
The Real Math
There are only three ways this ends. Here is what each one actually costs you.
*“You Keep” refers to attorney contingency fees only. Medical bills, liens, and other case-related costs may still apply.
THE GUARANTEES
Built To Reward
The Work
Every tier has a guarantee that matches what you bought. The pattern is simple: do the work, and if the program did not give you tools you did not have before, you get your money back.
Tier 1, The Academy: 60-Day Action-Based Guarantee
Complete the first 12 modules. Use the Claim Value Calculator on your case. Send your demand letter using our template. If you do all three of those things within 60 days and you do not feel the program gave you tools and clarity you did not have before, email support with proof you completed the steps and we will refund every penny.
Tier 2, Academy Pro: 60-Day Action-Based Guarantee + Attorney Review
Same action steps as Tier 1. If you complete them within 60 days and you do not feel the program gave you tools and clarity you did not have before, we refund your purchase AND give you a free 30-minute consultation with a licensed attorney (where available) to review your case.
We are not interested in keeping money from people who did the work and did not feel they got value. We are interested in proving the system works to the people willing to use it.
TIER 3, ACADEMY ELITE
All Sales Final
Academy Elite enrollment is final. Here is why: Founding Members get lifetime access to every future course, every future template, and every future tool we ever release, for the rest of your life. We cannot offer that and offer refunds.
Choose Elite only if you are 100% committed to handling your claim and want every tool we will ever build, locked in forever at today’s price.
Who This Program Was Built For
Is This For You?
This is for you if...
- You have been in an accident in the last 12 months.
- Your case is straightforward enough that you do not need a trial lawyer.
- You want to keep all of your settlement instead of handing 33-40% to an attorney.
- You are willing to put in 10 to 15 hours over the next 60 to 90 days.
- You can read, follow a step-by-step process, and send an email.
This is NOT for you if...
You have a catastrophic injury, a wrongful death claim, or a case with disputed liability over $25,000. Hire a trial lawyer.
You want someone else to do the work for you. The Academy gives you the system. You still run the system.
You are looking for legal advice on your specific case. The Academy is educational. We are not your lawyer.
WE'RE HERE TO HELP
Questions & Answers
If your specific situation isn't covered below, our support team is standing by to point you in the right direction. We're here to provide clarity before you commit.
Is this legal advice?
No. DIY Injury Academy is an educational program that teaches you how the insurance claims process works. It is not legal advice and we are not your attorney. If your case is complex or high-value, hire a licensed attorney in your state. Many of our members do consult with one for a flat-fee review while they handle the rest themselves.
Will this work in my state?
Yes. The system is built around the universal mechanics of the claims process, which work the same way in all 50 states. The actual rules in your state (statute of limitations, comparative fault, no-fault thresholds, and other state-specific laws) change over time and vary by case type. The Academy teaches you how to ask the right questions, where to find the official statutes for your state, and when to bring in a local attorney for a flat-fee review.
What if my case is already filed and the adjuster has made an offer?
This is one of the most common scenarios our members are in. The system shows you exactly how to evaluate the current offer, decide whether to counter, draft the counter, and run the negotiation from where you are right now. You do not need to start from day one to get value.
How long does it take to go through the program?
Most members complete the core video content in 6 to 10 hours. The full claim, from start to settlement, usually takes 60 to 120 days depending on your medical treatment timeline. The system is built to be used while your claim is in motion, not before.
What if I want personalized help on my specific case?
Inside the program we have a private community where members and the team answer questions in real time. If you live in Washington or Oregon and want a one-on-one case review, my law office offers a separate flat-fee Attorney Review service. That is a different service, sold separately as a limited-scope consultation.
How is this different from hiring an attorney?
A personal injury attorney typically takes 33% to 40% of your gross settlement, plus case costs. On a $20,000 case, that is $6,600 to $8,000 out of your check. The Academy is a one-time payment and you keep 100% of your settlement. The trade-off: you do the work yourself. For most cases under $100,000, that math works out heavily in your favor.
What if my case is already in litigation?
Once a lawsuit has been filed, you have entered a different system with court rules, discovery, depositions, and motion practice. The Academy is built for the pre-litigation claims process. If your case is already in active litigation, you need a licensed trial attorney in your state.
What if I can't afford this right now?
All three tiers have a 3-payment option at checkout. If money is tight, Tier 1 at $397 still gets you the full 26-module course, the Claim Value Calculator, the core templates, and the same 60-day action-based guarantee. The system pays for itself the first time you use it correctly.
Is this just an attorney selling against attorneys?
Fair question. The honest answer: no. I still take on cases through a personal injury firm where I serve of-counsel. Most attorneys (myself included) decline cases under a certain value because the contingency math does not work for either side. The Academy is not anti-lawyer. It is pro-claimant for the cases the system was already leaving behind.
Two Roads From Here
Road one: you close this page, the adjuster calls you back, and you take whatever number the software gave them. Most people do. Most people get a fraction of what their case was worth and never know it.
Road two: you spend the next 6 to 10 hours learning the system the carriers use against you. You send a real demand letter. You negotiate from data, not emotion. You give yourself a real shot at a better outcome, and you keep all of what you recover.
The cost of road two is less than what most attorneys charge for an hour of their time.
The cost of road one could be thousands of dollars of your own money. Money you may never see, because you never knew it was on the table.
Three tiers. One-time payment. Lifetime access. 60-day action-based guarantee.
DIY Injury Academy is an educational program. It is not legal advice and no attorney-client relationship is created by purchasing or using this program. The information provided is general and may not apply to your specific circumstances. For legal advice on your specific case, consult a licensed attorney in your state. Results are not typical. Your results will depend on the facts of your case, your jurisdiction, your medical treatment, and your willingness to follow the system. Some members will recover more than others. Some may recover less. No specific outcome is promised or guaranteed.
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