The settlement offer that the insurance company is offering me would not even cover my medical bills. What can I do?

Insurance companies often take advantage of normal people who know very little about their legal rights. As a result, they often offer settlements that are worth a small fraction of what the policyholder deserves. If the circumstances are bad enough, the insurance company may even be guilty of "bad faith" and subject to damages. An experienced attorney can help you get fair treatment from your insurance company.