Should You Accept a Check from the At-Fault Driver’s Insurance Company?
After a car accident, the at-fault driver’s insurance company may quickly offer you a settlement check. While it may seem tempting to take the money and move on, accepting a check too soon can be a costly mistake. Insurance companies do this because they know some people, especially those experiencing only mild discomfort—will take the quick cash and avoid the hassle of seeking medical treatment or legal representation.
However, if you haven’t seen an accident doctor, how do you know the true extent of your injuries? Accepting a check without medical evaluation or legal advice could mean settling your claim for far less than you deserve. Let’s break down why you should be cautious before cashing that check.
Why Insurance Companies Offer Quick Settlements
Insurance companies are businesses, and their goal is to save money. While they are often criticized for being “evil,” the reality is that they must differentiate legitimate claims from frivolous ones while also protecting their bottom line.
One way they do this is by offering quick settlement checks to accident victims. Their reasoning? If you cash the check, you must not be seriously injured. For the insurance company, this is a win—they avoid paying for expensive medical treatments and potential long-term injuries.
But what if you are hurt? Should you still take the settlement?
Why You Shouldn’t Accept a Settlement Right Away
1. You May Have Delayed Injuries
Not all injuries appear immediately after an accident. Whiplash, concussions, soft tissue injuries, and internal damage can take days or even weeks to show symptoms. If you take a settlement check before seeing a doctor, you may end up with medical bills that far exceed the amount you received.
Common Delayed Injuries to Watch For:
- Neck and back pain
- Headaches or dizziness (signs of a concussion)
- Numbness or tingling in arms and legs
- Difficulty sleeping or mood changes
- Swelling or bruising in unexpected areas
Solution: Always see a doctor after an accident, even if you feel fine at first. A medical evaluation can confirm whether you have injuries that require treatment.
2. The Check Might Be a Full and Final Settlement
Insurance companies often word their checks deceptively, making it seem like the money is just for your “trouble” or lost wages. However, by cashing the check, you may be unknowingly settling your personal injury case.
What to Watch for in Settlement Language:
- “Full and Final Settlement”
- “Paid in Full for All Claims”
- “Acceptance of this Check Constitutes Settlement”
If you cash the check with these phrases in the fine print, you waive your right to pursue further compensation, even if your injuries turn out to be more serious.
Solution: Do not cash or deposit any check from the insurance company without consulting a personal injury attorney first.
3. Your Medical Expenses Could Be Much Higher Than You Think
If you accept a settlement, check and later discover you need ongoing medical care, you will be responsible for those costs out of pocket. This could include:
- Physical therapy and rehabilitation
- Chiropractic care or pain management
- Surgery or long-term treatment for chronic pain
- Future lost wages if you can’t work due to injuries
Once you accept the check, the insurance company is off the hook—you will have no legal recourse to claim additional compensation.
Solution: Wait until you have completed medical treatment before agreeing to a settlement. An attorney can help determine the full cost of your medical care.
Table of contents
- Should You Accept a Check from the At-Fault Driver’s Insurance Company?
- Why Insurance Companies Offer Quick Settlements
- Why You Shouldn’t Accept a Settlement Right Away
- Get checked out by a Doctor ASAP
- How Insurance Companies Save Money on Claims
- How to Protect Yourself After an Accident
- Final Thoughts: Should You Accept a Check from the Insurance Company?
New Auto Patient
Get checked out by a Doctor ASAP
Find a doctor near you before you accept any check from an insurance company.
How Insurance Companies Save Money on Claims
1. Rushing You into a Settlement
By offering money immediately, they hope you will settle before realizing the full extent of your injuries.
2. Using Aftermarket or Junkyard Parts for Vehicle Repairs
Many insurance companies cut costs by repairing your car with used or non-original manufacturer (OEM) parts. This can lower the resale value of your vehicle.
3. Avoiding Payments for Diminished Value
If your car has been damaged but not totaled, it now has diminished value, meaning it is worth less than before the accident. Some policies cover this, but many people don’t know to ask for it. If your car is newer (typically under five years old), be sure to inquire about diminished value compensation.
How to Protect Yourself After an Accident
1. See a Doctor Right Away
Even if you feel fine, a medical evaluation ensures that hidden injuries are properly diagnosed and treated.
2. Don’t Give a Statement to the Insurance Company
Insurance adjusters may seem friendly, but their job is to reduce payouts. They might try to get you to say something that weakens your case.
3. Consult a Personal Injury Attorney
Consultation ‘s are free with most personal injury lawyers. They can:
- Review any settlement offer to ensure it’s fair
- Help you get compensation for medical bills, lost wages, and pain and suffering
- Handle all communication with the insurance company so you don’t say something that could hurt your case
Final Thoughts: Should You Accept a Check from the Insurance Company?
If the insurance company offers you a check before you’ve seen a doctor or spoken to an attorney, do not accept it. It may seem like quick and easy money but cashing it could mean forfeiting your right to additional compensation—even if your injuries turn out to be serious.
Key Takeaways:
✔ See a doctor before making any decisions about a settlement.
✔ Don’t assume the insurance company is looking out for your best interests.
✔ Read the fine print—once you cash the check, your case may be closed.
✔ Consult a personal injury attorney before signing anything or accepting a settlement.
Arm yourself with knowledge, and don’t let the insurance company take advantage of you. If you’ve been in an accident, take the time to evaluate your injuries and legal options before accepting any offer.
Looking for an accident doctor in your area? Contact us today to find a qualified provider near you.
You give very valuable information here. Very complete. Thanks for sharing.
Thanks for pointing out that auto accident insurance can also deal with diminished values after an accident. I’d like to know more about how to find an auto accident insurance attorney because I want to help out a friend in sorting out the legal issues involved in an accident he was involved in. Hopefully, finding a good lawyer wouldn’t be so difficult for an accident like that.