You should probably avoid accepting the first offer. Chances are the insurance company has more money reserved for your case. Early in the claims process, the insurance company will typically set reserves on a case. A reserve is a certain amount of money the insurance company assigns to the case. In some cases, as the litigation proceeds the insurance company will begin to offer more of their reserve. As insurance defense attorneys, we used to help insurance companies assign values to their cases. Our experience helps us do everything possible to leave nothing on the table.