It’s recommended that you consult with an experienced personal injury lawyer before signing anything or cashing any checks. If you sign a waiver, a release, or a settlement agreement you’re likely agreeing that the money the insurance company is giving you is all you’ll ever get. Likewise cashing a check from the insurance company may mean that you’re agreeing that the money you’re receiving is a full and final settlement of your claim. However, if you haven’t had an attorney to evaluate your case or negotiate on your behalf, you might be getting less than you deserve.