After an accident, when you receive an offer less than what you expected, this may invoke uncertainty and worry. You may need the money quickly to pay bills and other costs related to the accident and consider taking the first offer you receive. Many accident victims deal with this common dilemma, and most do not have the luxury of time to go up against the insurance company. If you believe you’ve found yourself in this situation, here are eight reasons why insurance companies offer low-ball settlements and your options for getting the compensation you deserve.