Being offered a settlement is exciting, and something that you may have been desperately waiting for. But while you may need the money and therefore be tempted to accept the settlement offer, it’s always smart to thoroughly review it first, preferably with an attorney. If your settlement offer is too low and you’re not being fully compensated, you have the right to reject the settlement offer and enter into negotiations until you and the insurance adjuster reach an amount you can both agree on. If you can’t reach a settlement, you also have the right to file a lawsuit and litigate your case in court.