Insurance agencies are incentivized by reducing payouts on claims. Consequently, the job of the adjuster is to “sell” you on accepting a settlement. While this money may be tempting, you will have to sign a waiver of liability that prevents you from seeking further compensation if your injuries are worse than you previously believed.
If you are represented by a rear-end accident lawyer, they will assess all of your damages including the anticipated cost of future medical care, lost wages, and other expenses. Once they have a complete picture of your expenses and pain and suffering, they can present a demand letter to the insurance company on your behalf.