What should I do if the insurance company offers me a check right away?

If the insurance company offers you a check to settle right away, it’s probably because they realize it’s a losing cause, and they’re going to end up resolving this claim. They’re just trying to get rid of it as quickly and as cheaply as possible. It’s impossible for you to know at that stage the full extent of your injuries and settling for a very small amount early on with the insurance company just to put it behind you, you could really be leaving a much more significant settlement or judgment on the table that you otherwise would be entitled to if you had proper legal representation.