Most insurance companies will likely offer you the money in advance because you have a credible case that may escalate. By taking the money, you may waive your rights to have additional medical coverage and benefits. you may want to obtain adequate treatment before signing off on the agreement. The waiver is a legal document to waive your rights to pursue any additional document. The best solution is to consult a physician for additional care and accurate diagnoses this may increase your benefit. If left untreated, an injury may lead to serious degenerative joint disease.