Do not agree to anything. Better yet, do not speak with the insurance company before hiring an attorney of your own. Present the offer to your attorney and ask them whether they believe it to be a fair offer. Chances are that the offer will not be fair. In many situations, the property owner’s insurance company will send you a lowball offer with the hope that you accept it and put the matter to rest. Your attorney can help you negotiate a settlement that will fully address your injuries and damages.