The short answer is “no.” You don’t have to accept the settlement offer that your insurance company gives you. In fact, it’s often best to refuse the first offer from the insurance company as it may be lower than what you deserve. The insurance company will look out for its bottom line—not your well-being.   If you refuse the offer, expect that you will need to negotiate with the insurance company on another offer. Here's where an experienced car accident attorney can help. You will likely need to create a counteroffer, including a demand letter that tasks for more, along with supporting evidence that shows why you deserve more.   The insurance company adjuster may tell you that they are not able to increase the offer, but having an experienced car accident attorney on your side can increase your chances that you will be able to successfully negotiate a better offer.