I just had an accident and the insurance company adjuster is offering me a settlement of a few hundred bucks. Should I take the check that the insurance company is offering to settle my medical claims?

This is covered in my book, Straight Talk on Washington Auto Accidents (request a free copy here). In short, however, do not take any settlement offers from the insurance company until after you are done receiving medical care and you are 100% healed. Insurance carriers will often attempt to offer you a quickie cash settlement shortly after an accident. This allows them to remove the claim from their books and limit their liability from having to pay you more later. By offering you a cash settlement up front, the insurance company transfers the risk of medical costs and pain and suffering to you. If it turns out that the injury is worse than you thought the insurance company will not ever pay any additional amounts.

If you are injured and unsure about how much the insurance company should give you should consult a lawyer.

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