You should not accept an offer from the insurance company until you have first spoken with a personal injury attorney. The initial offer from an insurer will likely not be the full amount of compensation that you deserve for your injuries or losses, or the maximum compensation that the insurance company is willing to pay in your case. Your attorney can review an offer and the facts of your case to advise you if the offer provides fair and full compensation, and can take over negotiations with the insurance company to pursue a higher settlement offer, if possible.