Should I accept the insurance company's first offer?
Almost never. First offers are typically much lower than what your claim is worth. Insurance companies start low expecting negotiation. An attorney can evaluate whether an offer is fair based on your actual damages.
This is general information, not legal advice. Laws vary by state. Consult a qualified attorney for advice about your situation.
Related Questions
What if the at-fault driver has no insurance?
Check your own policy for uninsured motorist (UM) coverage, which pays for your damages when the other driver can't. You may also be able to pursue the at-fault driver's personal assets, though this is often not practical.
What is uninsured/underinsured motorist coverage?
UM/UIM coverage is part of your own auto insurance that pays for your injuries and damages when the at-fault driver has no insurance or not enough insurance to cover your losses. It's optional in most states but highly recommended.