This is a common argument made by insurance adjusters. Soon after your bus accident, the insurance company representing the bus operator may call with a settlement offer. The insurance company representative may tell you that the offer is only good for today and that it won’t go any higher. The insurance adjuster may even try to persuade you that you do not need a lawyer to review the settlement offer because the lawyer will just take a fee for doing so, reducing the amount of money you actually receive.