Sounds like you went to a settlement mill to me. There is no way to get policy limits unless the defendant insured agrees or to file suit. I always request an affidavit from an insurance company before accepting their representation of policy limits.
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I don't want to speculate about your attorney's reasoning, but I can say that I have never had an insurance company offer more than their policy limits on a case.
It is true that filing will cost over $400 and it is a common practice to defer those costs. Most clients aren't as ready to have that kind of money spent unless absolutely necessary.
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Have your lawyer send you proof of the policy limit in writing. Remember, you can take this to trial if you were seriously injured.
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There may be an excess policy. If your injuries were serious it may be a good idea to file lawsuit.And conduct quick discovery. This way you know the limits And if there is any excess policy covering your accident. But again I don't know your case in detail. Generally carriers do not ogfer above limits.
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