Attorney Mark King: You should never prematurely settle your case. It is always best to check with us first. Our consultation is free and we can usually tell you right then if the offer is in your best interest (usually it isn’t – most initial offers are a fraction of what a case may ultimately be worth.) Often an insurance company will try to get a cheap and quick settlement by offering you a nominal amount up front. Many people later regret the quick settlement when their pain doesn’t go away and their medical bills continue to pile up. Don’t be tempted to take that initial offer – you’ll be signing away your rights to further compensation to pay for your medical costs, future medical treatment, or long-term effects from the accident.