Has anyone ever had to pay off a debt to a lawyer or insurance company? And if so, do they consider a lump sum payment lower than the original asking cost?

Lets say you owe 2k in an accident and they want that from you because you didnt have insurance. If you called and said "I have $1500.00 right now." will they accept that and leave it be?

Im going to call tomorrow but I want and insight before I step up to the mike so I have an idea on what to expect. I want the upper hand since Im the one paying the coin.