Short answer: Almost never — not before speaking to a personal injury lawyer. First offers from insurance adjusters are typically far below what an injured person is legally entitled to, and once you sign a release, the claim is closed for good.
Why do insurance companies make quick offers?
Because early offers save them money. Common reasons an adjuster reaches out fast:
- Your injuries and future care needs are not yet fully known.
- You have not yet spoken to a lawyer.
- You may be under financial pressure and tempted to take quick cash.
- Once you sign a full and final release, the insurer’s exposure ends — even if your condition worsens.
What are the risks of accepting the first offer?
- You cannot reopen the claim if your injuries turn out to be more serious.
- You may not know your future care costs yet. Rehab, surgery, and long-term treatment often surface months later.
- You lose leverage on income loss, housekeeping, and future economic damages.
- You waive rights to sue the at-fault driver in tort.
How do I know if the offer is fair?
You don’t — until an experienced personal injury lawyer reviews:
- Your medical records and prognosis;
- Your past and projected income loss;
- Your future care and treatment needs;
- Whether your injury meets the tort threshold;
- The impact of the statutory deductible;
- The interaction between your SABS entitlement and the tort claim.
What should I do if an adjuster calls me?
- Do not give a recorded statement.
- Do not sign any release, waiver, or medical authorization without legal advice.
- Do not accept a cheque — cashing it can be treated as acceptance.
- Call a personal injury lawyer. Consultations are free and lawyers work on contingency — no fee unless you recover.
Considering an offer? Contact Virk Personal Injury Law for a free, no-obligation review before you respond.