The insurance company of the driver is offering me a check. Should I accept it?

A: Not until you consult with an attorney. A check from an insurance company might seem like a good thing, but they often contain waivers that prevent you from pursuing further action. That could be important if the accident has left you with a condition that requires extensive and prolonged care. Taking a settlement before you have a clear idea as to what your injury will cost you financially is never a good idea.