Rarely, if ever, will an insurance company’s first offer be remotely near the amount of money that you deserve for a settlement. This offer is intended to save the insurance company as much money as possible, with the hopes that you are stressed about your medical bills and loss of income and will simply take any amount to alleviate your stress. In exchange, you will need to waive your right to any additional legal action in the future. Before you sign any paperwork or accept any settlements from an insurance company, it is very important that you have an attorney review your case and advise on you the right decision. When you have a personal injury attorney representing your case, they will be able to negotiate directly with the insurance company in order to get you the money you actually deserve.