Anyone who suffers a personal injury due to the negligence of another person is entitled to a personal injury insurance settlement. The person responsible for the accident is typically required by law to pay for the injuries to the victim. The money paid to the victim is compensation for medical bills, lost time at work and often pain and suffering. When insurance companies become involved in the settlement process, they tend to attempt to pressure the victim into a quick settlement without an attorney or court process. Victims of personal injury should bear in mind that if they accept the insurance company's offer of settlement and sign a non-obligatory form releasing the insurance company from future damages, they will not be able to collect if their injuries are more severe than originally anticipated. When offered a personal injury insurance settlement, victims should thank the insurance company for their prompt attention and tell them they will have to consult with their attorney before accepting. Some injuries take time to manifest. Signing off on a claim negates the chances of getting future medical bills paid. It is best to have an attorney go over the claim, the offer and medical records before deciding to settle.