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should you take the insurance companies offer well I guess it depends if they offer you policy limits right off the bat then generally you know maybe you probably have a baby on the other hand let's say you're really injured and the amount of money that the insurance company has as Paul's limits is not going to be near enough to satisfy what's your claim is worth you may not want to take it in those situations another situation is let's say you had some guy that was a millionaire and for whatever reason he only has a minimum one that's policy well you may not want to take the minimum limits policy if this guy's worked a whole bunch more money that you could potentially go out just remember you can always negotiate with whatever they offer it's generally their first off so generally you do not take their first off you you