That depends on what you are actually being offered. Will the offer cover all your incurred and projected medical expenses, lost wages, travel expenses? What about your pain and suffering from the accident? Determining what a fair settlement is can be a complex process. Before you accept an offer, you should contact an experienced personal injury attorney who can help you build a strong and persuasive case using their experience to skillfully negotiate with the insurance company to receive the full compensation your case deserves.