No you don't. However you may have to accept an offer you aren't happy with. Insurance companies make billions of dollars and one way they do so is offering settlements in car and truck accident cases that bear little resemblance to what jurors may award.
Fortunately, the choice is ultimately yours and with good legal advice offers can be coaxed up to higher sums and in some instances medical bills that must be paid out of settlement can be coaxed down.
