re: Car Insurance “ Inconvenience Fee”

Don't take that offer. That isn't an "inconvenience fee," it's an offer in exchange for you releasing all future claims.

Wait until your kid is born, that will be when you actually know if there are going to be any issues. I don't know what state you're in or what the statute of limitations is, but you can wait three months. Where I practice, it's a three year statute on cases like what you're describing.

Second, don't tell the adjuster that you have no intention of pursuing a lawsuit. They're already going to lowball you since you aren't represented. Tell them you'll never hire a lawyer and they'll do everything they can to take advantage of you.

Just tell them you want to keep the claim open to make sure nothing pops up in the near future and I bet you'll get a better offer right off the bat.