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What should I do if the insurance company offers me a check right away?

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The short answer? Do not take it.

Insurance companies will try to settle claims directly with you if they know you are not represented by a lawyer. Typically, they will not offer you full compensation for the claim. Once you accept the check and sign a release, there is no further compensation you can receive. That’s why it’s important to seek counsel immediately and let your lawyers, us, negotiate with the insurance company for your injuries.