I often get asked if it’s wise to accept an insurance company’s offer of settlement. The answer to that question is no, unless you’ve consulted with a qualified lawyer that can look at the individual circumstances of your case and ensure that what is being offered takes into account not only all of your current damages, but also that that offer contemplates any of the future damages you may expect to incur. And that could be future medical treatment, but it also could be a loss of earning capacity. If those claims are not presented in the way they need to be presented, you may be getting a lowball offer from the insurance company and you may not even know it. That’s why it’s really important to consult a qualified lawyer to review the facts of your case and give you advice on the subject.