Insurance companies have quick response teams to get claims resolved without giving the client a chance to really weigh their options. They present settlement offers of lump sums which makes the client believe their medical bills will be paid AND the settlement being offered will go in their pocket. What they aren’t telling you is they are not going to pay your medical bills, the offer of settlement is to give you money to pay your medical bills. This leaves nothing in pocket for pain and suffering. Then, once a release is signed, there is no chance for additional recoveries.