In many cases, insurance companies call premises liability victims soon after an accident with a settlement offer. They hope that you will accept, but, generally, you should not accept their first offer. The first offer is usually a fraction of the compensation you might deserve.
Once you accept a settlement, you cannot go after the insurance company again, even if you realize that the money isn’t enough to cover all of your medical or other expenses. If an insurance company offers you a settlement, convey the details of the offer to your attorney so that they can advise you and you can make an informed decision about whether or not to accept.