If you’ve received a settlement offer from an insurance company that you feel is too low, you are under no obligation to accept it. In fact, it’s commonly known in the legal field that the initial offer made will likely be a lowball offer. Working with an experienced car accident lawyer who knows the tactics of insurance adjusters is the best way to ensure you get a full and fair settlement. Eventually, however, if you refuse to accept what they’ve put on the table, you may need to file a lawsuit and take your case to trial.