Should I settle while I'm still in treatment?

Usually, no. Once you sign a settlement and release, it's final. If you settle before you know how your injury will turn out, you can't go back for more money if you later need surgery, more therapy, or time off work.

Why insurers offer early settlements

A quick offer can feel like a relief, especially when bills are piling up. But insurance companies make early offers because they're usually cheaper. They know your total medical costs and long-term effects aren't clear yet.

When is the right time?

Most cases are best valued once you reach what doctors call "maximum medical improvement." That means you've healed as much as you're expected to, or your doctor can predict the care you'll need in the future. At that point, we know the full cost of your injury.

But don't wait too long

In Massachusetts, you generally have three years from the date of the accident to file a lawsuit. Long treatment doesn't pause that clock. If your treatment is still going near the deadline, a lawsuit can be filed to protect your rights while your care continues. Read what if my accident happened a few days ago? for why acting early still matters.

Common mistakes

• Accepting the first offer before your doctor knows if you need surgery. See does needing surgery change the value of my case?
• Forgetting about liens. Health insurers, MassHealth, and Medicare may need to be paid back from a settlement.
• Stopping treatment early to "get it over with." That can lower the value of your case and hurt your health.
• Signing anything from the other driver's insurer without having a lawyer review it.

Get a Free Consultation

Got an offer and not sure if it's fair? Call Attorney Daniel A. Pava at 413-781-8700 before you sign. A free review costs you nothing. More on our Springfield car accident lawyer page.

Phone: (413) 781-8700
Email: daniel@pavalaw.com
Office: 1380 Main St, Suite 301, Springfield, MA 01103