There are a myriad of reasons to counter a settlement offer. Often the initial settlement offer arrives before medical treatment has been completed, so that you do not know the full extent of your damages. Sometimes the settlement is not enough to compensate you for your losses or does not cover possible future losses. Some settlements include clauses that are not in your best interest. Often settlements include complex terminology, meant to overwhelm or intimidate you into accepting. You should always contact a personal injury attorney before accepting any settlement offers.