You should not accept the settlement without talking to a personal injury attorney first. Sadly, many insurance companies take advantage of vulnerable people by working hard to settle claims quickly and for the lowest possible amount. While settling your claim quickly might sound like the right thing to do at the time, it’s critical to take the time to fully assess any injuries you may have. You only have one opportunity to prove your injuries. Once you accept a settlement, that decision is final and you lose your rights to ever file another claim again – even if you discover your injuries are far worse than you originally thought and you notice problems down the road.