What is a reasonable first offer to settle a personal injury case?

It is impossible to give a fair value in settlement on your husband's claim absent knowing his past and likely future medical costs and treatment, his earnings lost in the past, how his injury has impacted his ability to earn money in the future, and how his overall life has been effected to determine a fair amount for pain, suffering, disability, disfigurement, and other human damages. There are other issues such as the amount of the lien by worker's compensation to be paid back and what they might accept in compromise. I would suggest that when talking about a very significant injury case, you often will not achieve a fair settlement result without retaining a lawyer and proceeding in to litigation. Sometimes significant injury cases require analysis by vocational experts, economic experts, liability experts, etc. to fully consider the likelihood of success at trial and the full extent of economic, vocational and medical damages into the future. I would think that most lawyers would be reluctant to provide you with the value of your husband’s claim without having significantly more information than you have provided here.

There are not enough facts provided to give an accurate response. #1, you need to have an attorney representing your husband's interests. #2, in Florida, there are issues involving worker's compensation immunity (see #1). #3 a case like this may involve products liability issues (see #1). There may be preemption issues (see #1). Multiple parties may be liable (see #1).

You need to retain counsel ASAP. It will not cost you anything for the representation until the case settles, or a judgment is paid, at which time, you will pay a percentage of the recovery to the lawyers.