Insurance companies will try to shortchange you – there is no doubt about it. They often promise a lump sum quick payment up front to try and resolve a matter quickly before the victim consults with an attorney.
Just remember that insurers have their best interests in mind not your interests. The offer they provide to an individual not represented by counsel will almost always fall far short of the value of the claim. And once accepted and a release is signed, the case is over and you will be barred from seeking additional compensation.