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theres only one scenario where I think it is wise to accept the insurance adjusters first offer in your injury claim right out of law school I worked on behalf of insurance companies defending injury claims in court during this experience I learned several methods insurance companies would use to minimize their payout to injury victims let me tell you about a story about one of my past clients this was a client injured in a rear-end car accident she contacted me several months after her car accident looking for help she had been handling her injury case on her own and was completely lost as to what to do next even though the insurance company had admitted liability for the accident on her claim this client had had pretty docHub neck problems prior to your car accident that she had already been treating for prior to the accident the car accident aggravated her problems she did not even seek medical treatment for her neck until weeks after the accident when she was scheduled to me