Should I accept a settlement offer in my accident case?

It really depends. If your negotiating directly with the insurance company, especially if you were injured, you need to bare in mind that the insurance company is not necessarily on your side. The insurance company may be trying to save money by not paying as much on your claim as they should. What I would recommend is that you talk to an attorney, have them look at it. It doesn’t hurt. Then that way you can rest easy knowing whether you should or should not except that settlement offer.

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