10/14/2026
Settlement offers start showing up in October and November for a reason. In this business, it has a name, and it is not a kind one: dumping season.
Insurance companies know exactly what this time of year looks like for a family that has been out of work and behind on bills. Christmas is coming. The pressure is real. And a check in hand today looks like relief.
So here is what usually arrives with it: a quick offer, a short deadline, and a release to sign. That release matters most. Once you sign it, your claim is closed for good. If your treatment continues into next year, and it often does, those bills are now yours.
This happens to families with a wrongful death claim too, which is a legal claim brought when someone is killed due to another's negligence. Grief plus holiday bills is precisely the pressure an adjuster is trained to look for.
I am not telling you never to settle. I am telling you not to settle because of the calendar.
Three things before you sign anything: do not accept on the spot, get the offer in writing, and have a lawyer read it first.
If an offer showed up this month, send it to me, and I will tell you honestly what I see. Free, no obligation. pmmorganlaw.com