Your personal injury claim and your husband's personal injury claim are separate claims and should not be lumped together as one claim.Compensation should include the medical bills, pain and suffering, which is an amount in addition to the medical bills and documentation of any wage loss.  Compensation for the medical bills is straight reimbursement.  The medical reports will document the nature and extent of the injuries and will be used to determine compensation for pain and suffering.  Compensation for wage loss is straight reimbursement.  It is good that you are being given a 100% refund on the cruise, but these other items should also be included.  There isn't any mathematical formula for determining compensation for pain and suffering.  It just depends on the facts of the case.  For example, if you are still having residual complaints after completing your medical treatment, that would result in additional compensation compared to someone with a similar injury who did not have residual complaints of pain, etc. after completing medical treatment. If the medical reports state that you or your husband will need future medical treatment for your injuries, the estimated cost of the future treatment discounted to  present value should be included in the settlement.   I would usually ask for quadruple the medical bills to compensate for pain and suffering, but NOT expecting to get that.  The insurance carrier will respond with a much lower offer and you can continue negotiating from there to try to get an increased amount as you have done.  If you are dissatisfied with settlement offers from the cruise line's insurance carrier, you can reject the settlement offers and sue the cruise line for negligence.  If the case is settled with the insurance company, NO lawsuit is filed.  If the case is NOT settled, you will need to file your lawsuit for negligence prior to the expiration of the applicable statute of limitations or you will lose your rights forever in the matter.  If you do have an attorney represent you, the attorney will probably receive 1/3 of the settlement.As I mentioned, there are two separate personal injury claims (yours and your husband's).  If one of those cases is settled with the cruise line's insurance carrier, only the party who has not settled would proceed with the lawsuit for negligence against the cruise line.  If neither case is settled, both you and your husband would file a single lawsuit for negligence against the cruise line.  If the settlement figure you mentioned is to compensate both you and your husband, that sounds rather low.