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MrBinky, insurance companies will never compensate you for the true value of your damages/injuries. They are hoping that you take the money and walk away. This is especially true this time of the year, when people are strapped for cash.
Your lawyer should have already told you this.
If you don’t need the money right away, then force the insurance company’s hand, refuse their initial force and continue to negotiate or take them to court.
Insurance companies are not your friends, never have never will. They profit by collecting high premiums and making low pay outs.
I know this because I am an attorney and have both represented insurance companies and sued them.
Good luck fellow rider.