Just because the insurance company has offered you an inadequate settlement amount does not mean you have to accept the offer. You always have the right to reject a low offer and make a counter-offer to demand more compensation. Your West Windsor personal injury lawyer can help you to craft a counter-offer that supports your demand with evidence. If settlement negotiations stall, your attorney can also advise you regarding other options for pursuing compensation, such as going to mediation or arbitration or filing a lawsuit.