It is common for the insurance companies to state one settlement amount.... and then out of that amount, vendors get paid first.  Vendors would include doctors and hospitals.  After the vendors are paid, then the individual receives whatever is left.  Think of it like the sale of a house.  If a person offers to purchase a house, they offer one amount-- but the mortgage is paid first and the seller is paid second with the residual.If you do not think that the amount the insurance company has offered is a fair settlement of your claim, then visit with a personal injury attorney and let them evaluate the value of your case.  From there, you can make an educated decision regarding whether to accept or reject the offer.