You don’t have to accept the first offer from an insurance company. They often start with low figures to test whether you’ll settle quickly. A personal injury attorney reviews the offer and compares it to your actual damages. They identify missing costs like future treatment, wage loss, or emotional distress. If the offer is unfair, they prepare a counter-demand with detailed justification. They also advise you on whether continued negotiation or a lawsuit is better. Accepting a low offer too early could leave you responsible for later expenses. Insurance adjusters are trained to minimize payouts, not to protect your interests. An attorney levels the playing field by using legal pressure. Their involvement alone often results in higher offers. Always let your lawyer review any proposed settlement.