The likelihood that an insurance company will offer you a fair settlement is exceedingly low. When an adjuster is assigned to your case, their job is not to identify every damage you have suffered and to ensure that you are fairly paid for each; instead, they approach each claim with the goal of reducing the settlement amount in every way possible while still resolving any legal issues. When you get your initial offer, you will be required to sign a waiver that will bar you from taking any additional legal action against the insurer or their client for your accident, regardless of whether or not you identify other significant damages later on.