Great question! A fair settlement should cover all of your losses, including:

• Medical bills (past and future)
• Lost income or reduced earning ability
• Pain and suffering
• Emotional distress
• Any long-term or permanent limitations

If you received an offer from an insurance company shortly after the accident, chances are it’s lowballing your true damages—especially if you haven’t finished treatment or fully recovered.

Ask yourself:

• Have I finished all medical care?
• Have all future costs and needs been considered?
• Was pain and emotional distress included in the total?
• Will I be left paying anything out of pocket?

If any answer gives you pause, it’s time to speak with an attorney. We’ll review the offer for free and let you know whether you’re being treated fairly.