What Should I Do If the Insurance Company Offers Me a Check Right Away? 

If the insurance company offers you a check right away, although it's tempting, you should probably turn it down. At the very initial stage after an auto accident, you're not going to know what your total medical bills are going to be, you're not going to know the severity of your injuries. Quite frankly, the insurance company is probably low-balling you at that point. If you do retain a personal injury attorney, it's probably going to be beneficial down the road in securing a much larger settlement.