This depends greatly on the specifics of your case. As a general rule, insurance companies like to resolve claims for as little money as possible. The insurance company is not on “your side”, in fact the less they pay to resolve claims the better their financial bottom line is. With that being said, there are times where a reasonable offer is being made.
It has been our experience, that often the more serious the injury the less reasonable the insurance offer is. This is because the insurance company is able to take advantage of persons that are not educated as to what a reasonable offer is. This is why a consultation with one of our bicycle accident lawyers is so critical. We handle these claims every day and will be able to assess whether the offer you are being made is fair. Often, if the offer is in the ball park of being fair, we can give you some tips to increase the offer without hiring a lawyer.