Kansas City, MO personal injury attorney Rachel Smith talks about what to do if your insurance company offers to settle your car accident case. She mentions that unless an insurance company is offering to pay the full policy limits, there is a very strong likelihood that any initial offer made to a layperson represents the lowest amount the insurer believes it can provide. Insurance companies are aware that most individuals do not have the knowledge or resources to file a lawsuit or assert their rights, and without leverage, they have little incentive to make a fair and just offer.