The answer to this is a resounding yes! Some firms will send a demand package to the insurance company and after getting a response, call the client and say I have settled your case.
We will never have this happen. In the pre-suit stage, you will be advised of each and every offer that the insurance company makes during the negotiations. Each response to the insurance company will be discussed with you at which time a recommendation will be made to you. This also applies to any settlement negotiations that take place while a case is in suit. Your case will never be settled at any time without your prior approval.