The insurance company of the other driver is a business. Their goal is to maximize their profits by minimizing the payout to you.
And settlement agreements are final and binding. They include a release of liability, meaning the insurance company is not responsible for any payments beyond the signed agreement. You cannot later ask for more money, nor can you take the case to court.
If you accept an insurance settlement, and later find out that your injuries were more serious than you thought, you have no way to be made whole.
The personal injury attorneys at Funk & Associates will work with you to ensure that your interests are protected, and that you received the best settlement availably under the law.