After a serious car accident, if you cannot work, it is tempting to accept the insurance company’s first offer. That is never a good idea. Your insurance company wants to quickly pay out as little as possible. That is how they make money. The insurer’s initial offer is usually low, because the company anticipates the injured person might accept it. Keep in mind, however, that it is not the last offer they will make.
Most people do not know what a reasonable settlement offer is, and the amount the insurer initially offers may sound adequate. They also know that once a policyholder agrees to this, no further negotiation is possible. That holds even if it turns out your injuries are more extensive than originally believed. However, at that point, the insurance company is done with your claim, and you are on your own.