Don’t let insurance companies fool you: A settlement offer is always negotiable. If you’re offered a settlement that doesn’t cover your medical bills or other out-of-pocket expenses, come back with more. You’ll receive more push-back if you don’t have a lawyer, though. Insurance companies bank on the fact that you don’t know the legalities and will likely take advantage of you.
The second you accept an offer is the second you lose the right to sue the other party again. It’s so important that you fully understand the settlement offer (or if it’s even the best option) given the circumstances of your case.