If you have been involved in a serious car accident and have been injured, in all likelihood you want to get your case resolved and move on with your life. The insurance companies know this and will offer you a settlement that you might be reluctant, but willing to accept. This is rarely your best option. It is important to remember that an insurance company will not pay you more than what they have to because they are in business to make money. You may have to take legal action with the help of an attorney to make sure you are fairly compensated for your injuries and losses.