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Should I Accept a Settlement Offer in My Florida Boating Accident Case?

That would depend on what the offer is. Generally, to get an offer that really reflects the value of your case, you typically aren't going to get early on by dealing with an insurance company on your own. If it's a significant settlement and it's a significant injury, you probably going to need to hire an attorney and you would want to consult with your attorney to determine whether it accurately reflects the value of your case.