Q. Should I accept a settlement offer?

A: Use caution when the insurance company offers you a settlement. It is standard practice in the insurance industry to offer a low settlement first. The insurance adjuster may tell you it is fair. On the surface, it may even seem fair, but there may be many costs that have not been taken into consideration. Know that you do not have to accept the first settlement offer, and you can have a Jackson personal injury lawyer review the offer for free.