What should I do if the insurance company offers me a check right away?

If the insurance company offers you a check right away, you should really question why they're doing so. Insurance companies don't typically pay the full amount of a claim, and if they're paying very early or making a very quick settlement offer, then it's probably a low ball offer, and you don't even realize it. So, you should really question why they're offering it. That's why we recommend that you contact an experienced attorney to discuss what your rights are and what's fair compensation in any given claim.