Kansas City, MO personal injury attorney Rachel Smith talks about what to do if your insurance company offers to settle your car accident case. Unless an insurance company offers to pay the policy limits, it’s highly likely that a claimant is receiving the lowest possible offer the company believes it can get away with. This stems from a lack of leverage; insurers are aware that most individuals will not file a lawsuit, may not know they should, or may not understand how to proceed. Consequently, the insurance company has little incentive to make a fair and reasonable offer.