No! No matter how friendly or helpful the insurance company representatives seem, do not speak with them. Most insurance companies like to settle claims quickly and for the least amount of money possible. Your medical bills and time away from work likely weigh heavily on your mind as you deal with doctors appointments and procedures, and an initial settlement offer can seem like an appealing proposal to you and your family. While accepting the offer may serve as a quick fix to your financial stress, it is most likely not enough to cover your future medical care costs. During the time you are healing from your injuries or your time of grief is no time to try to negotiate for a larger settlement on your own. Negotiating with an insurance company requires skill, found only with an experienced personal injury attorney. Most attorneys are knowledgeable of the tactics insurance companies use to deny or to delay payment. Some insurance companies may even go as far as to suggest the accident was your fault. You do not need the added stress of insurance company representatives pressuring you to accept less than you deserve. Secure legal representation as soon as possible and let your attorney handle the insurance company representatives. By placing your trust in their legal services, you can better concentrate on your health, recovery, or the grieving process.