If the insurance company offers you an initial settlement that is too low, don’t worry. The settlement process is a negotiation, so your initial offer isn’t necessarily what you’ll end up with in the end. It’s just a first step.
Sometimes, the insurance company might offer you a low settlement because they don’t have enough information about your situation. By sitting down to calculate your damages, both economic and non-economic, you may find more things that you need to be paid for.