It is not uncommon for truck accident insurers to offer very low settlements fairly soon after an accident occurs. This is particularly true if liability for the incident seemingly falls to the truck driver or trucking company. You need to understand that the initial settlement offer is going to be much lower than the compensation you should actually receive for the incident. Insurance carriers lowball an initial settlement offer in the hopes that you will take the bait and run with the money.
The reality is that you will likely be able to work with your attorney to negotiate a much higher settlement amount moving forward. Do not accept the first offer.