It is not unusual for insurance adjusters to reach out to injured people with a settlement offer. If you accept their offer, you’ll also be expected to sign a form in which you give away your right to bring a lawsuit against them in the future to obtain more compensation.
Oftentimes, their offers are for far less money than your case may be worth. The money you get from a quick settlement may not cover your needs, and if you sign a waiver, you will have no recourse. If you are talking with an insurance adjuster, it is to your benefit to never sign anything without first consulting with a bicycle accident lawyer.