How can it be legal for the ins. co. to starve you out?

[sand-n-shoes]

i was injured on the job 5-24-06. Surgery on 4-07 2 rods & 4 screws in my lower back, all medical is being paid and R/X i also collect 450 a wk. which isn't enought to cover bills. 21 months later and all the ins. co . has offered is 68,500 minus attorney fee of 25 % and the remainder is suppose to last me a life time. i refused the offer and now the ins. co. has not offered another settlement. why does the state allow ins. co. to do this ? are you suppose to loose all you have befor they do any thing ? i've contacted the ins. comm. for the state of georgia but to no avail. where else do you turn ? it seems to me that the state and ins. co. work hand in hand to screw you . it's either take what we offer or go screw yourself we may offer another settlement in a few years. how is this legal ? it's communisum and the american public has to put up with it. we have no choice. but yet the goverment wants you to support the military and then screw you when you return. th e U.S really sucks.