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🧾 “Should I Take the First Offer?” Why Saying Yes Could Cost You Thousands

The insurance adjuster called you. They “reviewed your case” and want to offer you $2,500. You’re thinking about taking it. Stop right there. Here's what they’re not telling you — and why that check might be a trap.

👨‍⚖️ Avi Cohen, Esq.

6/18/2025

🎣 The First Offer Is a Setup

It’s not generous. It’s strategic.
Insurance companies throw lowball offers at injured people fast, before you know how bad things are or how expensive recovery gets.

They hope you're stressed, broke, and uninformed.

🧠 You Don’t Know What You’re Owed (Yet)

Your body could still be catching up to the crash.

  • That neck pain? Might need months of therapy.

  • That “minor” back tweak? Could be a herniated disc.

  • Missed work? What about the next 3 paychecks?

If you take the check now, you waive your rights forever.

No do-overs. No “wait, I didn’t know.” It’s done.

🧾 What They Don’t Want You to Ask About:

  • Future medical bills

  • Pain & suffering

  • Loss of income

  • Reduced earning capacity

  • Property damage and rental car reimbursement

  • Liens, deductibles, co-pays — all of it

📉 Real Talk: The Average Settlement Without a Lawyer Is Trash

Studies show injured people who hire attorneys get 3–5x more — even after fees.

Why? Because we:

  • Document your medicals the right way

  • Find hidden policy limits

  • Know their tactics (and how to destroy them)

  • Don’t blink when they stall or threaten

🛑 Don’t Settle Cheap. Plug In First.

If an adjuster calls you before you call us — that’s a problem.


If you’re tempted to take a fast check just to “move on” — call us first.

We’ll review it free and tell you if it’s trash (it probably is).

DM us. Text us. Call us. We got you.

No suits. No BS. Just results.
Plug in. Get paid. Stay in control.

📲 The Injury Plug.

Not Your Grandpa’s Law Firm