Always decline an offer of agreement in writing. Write a letter to your contact at the insurance company stating the reasons why you think your offer is too low. Support these reasons with concrete evidence attached to the letter. Finally, make a counteroffer of a sum that you deem most reasonable.
The second thing you should know is that you are absolutely free to decline the offer and, in most cases, you should probably decline it, but your lawyer will have advice tailored to your situation. Think of the insurance company's first offer as the start of negotiations to reach an agreement. The complexity and duration of car accident resolution negotiations will depend on a number of factors, including the severity of your injuries and whether fault for the accident is clearly established or not. If you decline the offer, the potential liquidation offer no longer exists.
You cannot accept the offer later if you rejected it or if the other party withdraws it. You have the right to decline any settlement offer and respond with a counterclaim for the payment you deserve. But you have to wait until a settlement offer is made to reject it and file a counterclaim. You can hire an experienced personal injury lawyer to represent you in insurance dealings and settlement negotiations.
If you try to deal with experienced insurance negotiators on your own, you will be at a disadvantage. When you finally receive the first settlement offer, be prepared to see a low number. The adjuster may claim that you were partially at fault or that your injuries weren't serious enough to deserve the amount of medical treatment you received.