What should I do if the insurance company offers a quick settlement?

Do NOT accept this offer. This is a classic insurance company tactic—they want to settle quickly before you understand the full extent of your injuries. Neck pain after a rear-end collision could indicate whiplash, herniated discs, or other serious injuries that may require extensive treatment. See a doctor immediately and document everything. Once you sign a release, you cannot go back for more money even if your injuries turn out to be severe.

The pressure tactics they're using are a red flag. If their offer was fair, they wouldn't need to pressure you. In Florida, you have 4 years to file a personal injury lawsuit, so there's no rush to settle. Get medical treatment, keep all records, and consult with an attorney. A fair settlement should cover all your medical expenses (past and future), lost wages, pain and suffering, and property damage.

I've seen cases where clients accepted quick settlements only to discover months later that they needed surgery or long-term treatment. By then, it's too late. The insurance company knows this—that's why they're offering fast money. Your health and financial security are worth more than a quick payout. Take your time, get proper medical evaluation, and make an informed decision.

To add to what others have said: the fact that they're offering $5,000 when your car damage alone exceeds that tells you they know they're liable. This is actually good news for your case. Document the offer in writing, politely decline, and focus on your medical treatment. When you're ready to negotiate, you'll be in a much stronger position with full documentation of your injuries.