How much higher will a personal injury claim settlement go then the initial offer.?

[chschoirboy]

I was in a car accident a year and a half ago and hurt my back. I have been treated since then to help resolve the issues to no luck. Recently i got an offer from the insurance company to settle this claim. It is a rather large sum of money, but considering the factors is still low. It is quite possible i may have this injury for the rest of my life and have been taking pain medication for it for the past year and a half. I am wondering if their is an amount over the initial offer that they usually go to without having to go to court. double, triple, anything like that. If anyone has any info that would be great. And just a side note, i do not have a lawyer for this.
The current offer is at $38,000

[hamn]

The insurance comapny most likely will settle within whatever the coverage for the other person is

What did they offer you? Does it cover all medical expenses? does it give you a couple grand for your life of taking pain medication? does it give you enough for paid time off work? Did it cover fora new car?

if all those answer yes, you wont get more than that. If you want more, then you may need a lawyer, who will take that portion away from your money anyways. Ive been in this situation, and my advice to you would to be to settle for a reasonable amount, because you dont know whent he tables are going to turn on you, and staying up at night,w orrying if their claim is going to be covered