Why You Shouldn't Swoop & Settle:

After an auto accident it is not uncommon for an insurance company to “swoop and settle,” in other words to pressure you to quickly settle and sign their release. This can be unwise because the amount of money that you will be offered is likely less than what you deserve and less than what an experienced attorney can get for you.


But even more important is to not settle and sign the release until you’ve completed all of your medical treatment.  The problem is, if you are not fully done treating or even months after the accident develop new symptoms, you will have no further recourse and will have full financial responsibility for any additional treatment. Therefore, if the insurance company is offering you some money quickly in exchange for a release, it is usually unwise to do so.

Read more here