While the firm cannot speak specifically to your situation without further detail, you are highly advised to consult with an attorney about your case and the offered amount before you take any action towards settlement. This is simply to protect you from an unfair and insufficient settlement. Insurance companies often attempt to use prompt payouts as an incentive for claimants to settle at a lower amount. Lower settlements allow them to increase their own revenue by raising their customer’s premiums with minimal loss on their part. The firm wants to protect you from these strategies, so before you speak any further with the insurance company that contacted you, allow them to review your case and determine whether the offered amount is fair.