Why You Shouldn’t Accept the First Settlement Offer
If you've been injured in an accident, chances are you’re going to get a settlement offer from the insurance company — and fast.
It might seem generous. It might even feel like a relief. You're stressed, in pain, and ready to move on.
But here’s what I tell every client:
Don’t accept that first offer. Not yet.
Let me explain why that quick check in the mail could cost you a lot more than it’s worth.
1. The First Offer Is Almost Always a Lowball
Insurance companies are businesses — and their goal is to pay out as little as possible. That first offer? It’s a test. They’re hoping you’re in a tough spot financially or emotionally and will say “yes” without asking questions.
They’re not looking out for your best interests. I am.
2. You May Not Know the Full Extent of Your Injuries Yet
Right after an accident, you might not even realize how serious your injuries are. Some symptoms show up days — or even weeks — later. You may need:
Ongoing physical therapy
Specialist referrals
Surgery
Injections
Time off work you didn’t expect
If you settle too early, you’re stuck paying for everything that pops up after you sign — and the insurance company is off the hook.
3. Once You Accept, You Can’t Go Back
Settlements are final. If you accept the offer and later find out your injuries are worse than you thought, or your car damage wasn’t fully covered, there’s no do-over.
You’re legally waiving your right to pursue anything further.
4. We Can Negotiate for What You Really Deserve
At Chatenka Injury Law, we know how to review every detail of your case — medical bills, lost income, pain and suffering, long-term care, and more. Then we push back with a demand that reflects the true value of what you’ve lost.
Most cases don’t go to trial — but having a lawyer who’s willing to take it there makes a big difference in what the insurance company is willing to offer.
5. You Deserve Time, Answers, and Real Support
This isn’t just about money — it’s about giving yourself the time to heal, to understand your options, and to make decisions with confidence. You shouldn’t be rushed into anything.
And you definitely shouldn’t be left dealing with long-term consequences for a short-term fix.
If You’ve Got an Offer in Hand — Let’s Talk Before You Sign
Bring it in. I’ll review it with you, no pressure. I’ll tell you what it covers, what it misses, and whether it’s actually fair.
Then you can make an informed choice — not one that benefits the insurance company more than it benefits you.
— Aaron
