The insurance company adjuster is offering a quick settlement for pain and suffering before I hire a personal injury attorney. Should I take it?
As a personal injury attorney, I advise clients not to accept a settlement shortly after the accident if they are still experiencing pain. The risk is, once you accept a settlement and release the at-fault party and its insurance company, your claim is over. You cannot “come back later” to ask them to pay more. If your doctor later discovers that your injury is more serious than originally thought, perhaps requiring surgery, very extensive medical bills and lost time from work, then you have sold yourself short by accepting the quick settlement. So before settling your claim, you should have a firm understanding from your doctor of what exactly your injury is, when it is expected to resolve completely (or whether any aspects of it are permanent) and the nature and cost of all required medical treatment. Only with that information, can a reasoned assessment of your claim’s value can be made for possible settlement.
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