What to do next
Wait until your prognosis is reasonably clear
You cannot value a claim you do not yet understand. Ongoing treatment, an uncertain recovery, or a possibility of surgery are all reasons not to settle yet.
Add up everything, not just bills to date
Past and future medical costs, lost income and reduced earning capacity, out-of-pocket expenses, care needs, and pain and suffering all form part of a claim. Early offers commonly cover only the first of these.
Get advice before signing anything
Have a personal injury lawyer review the offer and the release. Note that limitation periods apply to injury claims and are strict, so do not let 'not settling yet' drift into missing a deadline.
Frequently asked questions
Can I reopen a settlement later?
Almost never. Settlements are normally final and include a release of all further claims, which is exactly why timing matters.
Is the adjuster on my side?
The adjuster works for the insurer. They may be professional and courteous, but their role is to resolve the claim on the insurer's terms.
Do I need a lawyer for a small injury claim?
For minor injuries with a full recovery and modest costs, maybe not. Where there is lasting impairment, lost income, or disputed liability, advice usually pays for itself.
How long do I have to bring a claim?
Limitation periods apply and vary by jurisdiction and claim type — some are notably short where a government body or transit authority is involved. Confirm yours early.
This is general information, not legal advice. Laws vary by location and every situation is different — speak with a qualified lawyer about your specific circumstances.