Q: Can I go back to the insurance company and renegotiate my settlement - am finding the money doesn't cover care.
A: Generally speaking the answer is no. The whole point if a settlement is that you release the claim. Insurance companies often try to get people to settle for less than a claim is worth and that is one of the reasons to have a good attorney involved in evaluating your case in the first place. There is some Idaho law that will allow a person to rescind a prior settlement in very limited circumstances.
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