In the first days after a catastrophic crash, it’s common to feel pressure—by insurance adjusters, involved parties, or even well-meaning friends—to “just settle” or provide a recorded statement.
But catastrophic cases often change as treatment progresses:
- new diagnoses appear after imaging and specialist review
- symptoms evolve (sometimes long after the initial ER visit)
- long-term care needs become clearer only after rehab
That means a fast settlement number you receive early may not reflect what you’ll actually need in Montana for the coming months and years.


