If the insurance adjuster offers you a settlement, that means you've been talking with him or her, which is something we do not recommend before speaking with an experienced injury lawyer. If you accept the settlement your case will be over.
The settlement offer may or may not be appropriate for your case. We have found that for many injury victims who have not hired lawyers, offers of settlement from insurance adjusters are much lower than the real value of the claims. The reasonableness of a settlement depends on a number of factors, including your own goals (some people just want to get on with their lives).