Should I accept a quick settlement from the insurance company after a crash?
No. Though many insurance adjusters and / or employees are pleasant and friendly, they work for the insurance companies and are concerned about saving their employers' money, first and foremost. They are not concerned about your best interests and fairness.
Insurance adjusters know that many injuries only reveal themselves weeks and months after an accident. The sooner you settle your claim, the less likely it is that you'll know the full extent of your injuries and medical expenses. And once you settle, there's no going back to the insurer for further compensation. The claim is considered closed.
We would strongly recommend that you do not agree to deal directly with the defendant insurance company without taking your own independent legal advice.
It is important to remember that the insurers are acting in the best interest of the insurance company and not in your best interests as the injured party. This means that there is a conflict of interest which will often result in offers to settle a claim at an amount which is much lower than the amount to which you are entitled. You should remember that you are entitled to obtain your own legal advice and that you are free to use an independent lawyer of your choice who will act in your best interests and not those of an insurer.
Accepting a quick settlement offer almost always means you're settling for a lot less than what your claim is actually worth. If you are involved in an auto accident, your best course of action is to contact an experienced personal injury lawyer, someone who will look after your best interests.