Should I Accept the Insurance Company’s First Settlement Offer? If you’ve recently been in an accident and the insurance company has already called with a settlement offer, you might be tempted to just take the money and move on. It’s understandable—dealing with medical appointments, missed work, and a damaged vehicle is exhausting, and a check-in hand can feel like relief. But in almost every case, the answer is no—not yet. First settlement offers are rarely designed to fully compensate you.
