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I orally agreed to settle a claim with an insurance company for $1,500 and I'm hurt worse. Am I bound?

Insurance carriers in the St. Louis Area on Motor Vehicle Wrecks and Crashes have resorted to a new tactic.  They are calling the injured folks and offering them next to nothing on their claims, tape recording the conversation, and then asserting that the case is settled after the injuries turn out to be worse that originally expected and a lawyer is involved.   Be careful.  Call a lawyer before you settle, if only for peace of mind.  You can always find someone to talk to at our office and get some no nonsense straight up advice.