It’s very often that insurance companies try to settle claims at first contact. This is a tactic that they use to try to close files quickly. However, if you’re offered a settlement check right away, it’s important to really consider long and hard whether or not you should accept that payment because once you do, your case is closed. If you’re confident that you’ve been fairly and adequately compensated for your injuries and for your damages, then it’s fine to settle. But if you have any doubt whatsoever, you should refuse that check and contact an attorney right away to discuss your accident, discuss your situation, learn what your rights are, and make sure you protect yourself.