The insurance company adjuster’s job is to get your claim resolved as quickly as possible and as cheaply as possible. Often, this means trying to offer you a ludicrously low offer before you are even able to speak to an attorney.nnYou should not accept such an offer and should certainly never do so without consulting an attorney first, which is exactly what the insurance company wants to prevent you from doing. This is because an attorney will help you understand exactly how much more your case is worth.nnInitial offers might seem enticing, $1000 or $2,000 offers within just days of your accident or injury. But if they are offering so “much,” it is to blind you to the reality of how much more you could be getting.nnOn average, an attorney will be able to help you recover more than three times the initial offer. Even with attorney’s fees taken into consideration, you will be walking away with two or more times what the insurance company tried to get you to take.nnThe other reason never to take an early offer is that it does not include any compensation for injuries you are not aware of yet. But it does stop you from claiming compensation for such injuries later.nnInstead, give it some time. Follow up with your doctors and make sure you have gotten your treatment and it has been effective. Find out what the bills will actually cost you, and only then claim what you are due from the insurance company.