Once you send your information, documents, and evidence to the insurance company, they will investigate your case and if they accept your claim, make a settlement offer. After that, you can negotiate an agreement.   If an insurance company contacts you about a personal injury case in an attempt to settle, however, it is important to explore your options and request a free case review from a highly experienced attorney.   Do not negotiate with the insurance company on your own, and do not agree to their first offer before getting a second opinion. The insurance company rarely offers a fair settlement value at the start as they hope that an initial appeal of cash will get you to settle for far less than you deserve.