What if the insurance company offers to pay my medical bills for the next year in addition to the quickie settlement?

This is also covered in my free book. This is a trick. Insurance company adjusters are trained in how to get you to take as little as possible in exchange for releasing their insured from liability. Sometimes this tactic pushes people over the edge. In short, if you agree to this and you try to get them to pay for more treatment, they will send you to their doctor to determine that you actually need the treatment. There doctor will inevitably say that you are all better, and then you are left out in the cold.

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