To you, you are just asking for what is fair for your personal injury claim.
To an insurance company, your personal injury claim is a business expense and nothing more.
A former insurance adjuster for a major insurance company was quoted in the Wall Street Journal as saying “I ripped off a lot of people and I feel bad about that….My goal at the time was to save [the insurance company] money, not settle claims for what the case was worth.”
From the very first moment they work on a claim the goal of the insurance adjuster is to find ways to minimize the amount the company will pay for your personal injury claim, zero being optimum. That is what the adjuster is trained to do and paid to do.
You have a lot to lose by not seeking the advice of a personal injury attorney, and nothing to lose by getting a free personal injury case evaluation.