Insurance adjusters love unrepresented claimants. This is because they know more than you do. They may lead you to believe that your case is worthless and offer you a nuisance value settlement. You should never accept their first offer.
In many cases, the injuries are not severe enough to warrant a significant settlement. However, you should be sure to allow enough time to lapse in order to make sure that a more significant injury does not develop.
In our office, we cannot take every case but we are always happy to explain our assessment of the value of your case. There is usually more money after the insurance company makes their initial offer to you.