Your situation represents a typical one created by insurance companies with the innocent and unknowing plaintiff.  it does not matter what state you are in. An adjuster contacts you directly and immediately after an accident and sweetalks you into a settlement, offering money up front.  People often do not realize the extent of their injuries and think they are "OK" so go ahead and settle.  In most states, it is very hard to get out of these settlements.  The language in the release is usually very specific in addressing that you are aware that you are signing off on the claim permanently and understand what you are signing.  You ask..."Am I screwed?"  My answer..."Get out your toolbox...and good luck!"  Next time, don't be so quick to sign on the dotted line. Consult with an attorney first, not afterwards.