Do not accept any offers or checks before consulting with your personal injury attorney. Early settlement offers from the insurance company are often ploys for you to accept compensation that is lower than what you are entitled to. By accepting the check, you waiver any future responsibility of the insurer to reimburse you in any way. If you accept a settlement check, you are no longer entitled to receive any additional compensation for future medical costs, repair costs, lost wages, etc. Accepting an early offer may not cover all the costs associated with an accident (including medical bills, personal injuries, lost wages, and any property repairs). Insurance agencies will often trick you and try and pressure you to hastily accept a settlement check. Make sure not to sign or accept anything unless you have consulted with your attorney first.