Is it normal for insurance to push a bodily injury settlement before you even know what the injury is?
I’m dealing with my first real accident claim and I’m starting to feel like I’m out of my depth. I’m in Ohio and got rear ended a few weeks ago while stopped in traffic. At first I thought it was mostly a car damage issue. My bumper was crushed, trunk wouldn’t close right, and the car ended up needing to be towed. I was shaken up but I didn’t think I was seriously hurt in the moment, so I told everyone I was “okay” because that felt true at the time. The next morning was different. My neck and upper back were stiff, and over the next few days it turned into this constant pain between my shoulders and down into my lower back. I tried to give it time because I assumed it was normal soreness after a crash, but it hasn’t really gone away. Sitting at my desk hurts, driving makes me tense up, and sleeping has been awful because I keep waking up stiff.
The property damage side has already been frustrating enough. The other driver’s insurance accepted fault but they’ve been slow about everything. I’ve had to keep calling for updates, the rental situation has been annoying, and the repair estimate keeps changing. I expected that part to be the headache, but now the bodily injury side feels even more confusing.
The adjuster called and asked how I was feeling, what doctors I had seen, whether I had missed work, and whether I wanted to “resolve the injury portion” now. They mentioned a number that sounded decent at first because I don’t have experience with this, but the more I thought about it, the more nervous I got. I’m still treating, I don’t know if I’ll need imaging or physical therapy, and I don’t even know what the final medical bills will look like yet. What bothers me is that the conversation felt casual, but also like they were trying to get me to close the claim before I understood what I was signing away. I haven’t accepted anything. I also haven’t given a recorded statement yet because I’m worried I’ll say something like “I’m feeling better” on a decent day and then have it used against me later if the pain keeps coming back.
I’m not trying to turn this into some huge lawsuit or anything dramatic. I just don’t want to be stupid and settle early, then find out a month from now that I need more treatment and I’m stuck paying for it myself. I’ve already missed some work hours for appointments and the medical bills are starting to come in separately, which makes it harder to even know what the real number is.
For people who have handled bodily injury claims before, is it normal for the insurance company to make an offer this early? Should I wait until treatment is finished before even discussing settlement? And is there anything specific I should be documenting right now besides medical visits, bills, missed work, and pain levels?