The trucking company’s insurance agent’s job is to settle the case for as low an amount as possible. Despite what they might say or how helpful and understanding they seem to be, they do not have your interests or the best interests of your family in mind. They have a duty to protect the trucking company and the insurer, not to protect you.
It is unlikely that the amount they offer you will be enough to cover all of your expenses, plus the pain and suffering you may be enduring for a lifetime. An experienced truck accident attorney knows how to determine what amount is reasonable and how to negotiate a fair settlement from the insurance company. If the insurance company acts unreasonably, your attorney can seek justice on your behalf in court.