Do not settle with the insurance company until you have had your consultation with your attorney next week.
Because you do have a consultation, that attorney will be able to give you a much better idea of what your damages should be than anyone here.
First, accept NOTHING from the insurer without consulting an attorney. In fact, I would caution you not to speak with the insurer until you have consulted with a competent personal injury attorney.
As far as damages go, often situations such as yours present complications and injuries more clearly as time progresses. I don't know how long it has been since the accident happened, but often spinal issues and soft tissue injuries are not clear immediately after an accident and only appear after months of treatment. So even if the insurer's offer sounds fair right now, if you accept it and later discover you have a much more serious injury (lets say, one that requires an SI fusion, an operation that costs tens of thousands of dollars and presents serious problems down the line for someone of your age), you are barred from seeking more money from the insurer because your situation was worse than initially thought.
So although the insurance company will likely pressure to you settle quickly, doing so is not in your best interest (in most cases). This is a case in which you really should not do anything until you have a good PI attorney look at all the factors. Only then can he tell you what a fair settlement for pain and suffering would be.
Hope this helps.
This is VERY general information that is not intended to be construed as a legal opinion or legal advice. No attorney client relationship has been formed. This is based on the limited information presented to me, and should not be relied upon. Anyone seeking a legal answer to this question should consult an attorney and describe the situation more completely.
Any attorney that attempts to give you an actual monetary answer for this, you should be concerned about. It sounds to me like there is not a very accurate determination as to the extent of your injuries, nor if you are done with your medical care. If you are not released to Maximum Medical Improvement, or no longer going to see doctors for your injuries, then nobody can accurately calculate how much your pain and suffering can be.
The short answer is that your pain and suffering is always worth more than the insurance company is willing to give you without an attorney. So, if you decide you want the help of an injury attorney, you will almost always receive more compensation, even after attorneys fees, than you would obtain on your own.
I agree completely with the other three attorneys. Your case could be worth significantly more than you have been offered. Further, you may need additional treatment far in excess of their offer. Talk to an attorney as soon as possible. Good luck with your case. There are some good attorneys in Bozeman. I lived six years in Belgrade.
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Sound advice from the above attorneys. Good luck.
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The insurance adjuster did leave some zeros off their offer. You have what sounds like serious injuries with no pre-existing spine conditions. You are smart to seek representation. A skilled personal injury attorney will help you maxamize your recovery. I'm very sorry to hear about the accident and your injuries.
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