Brother, Insurance companies usually try to settle you with low amount. There is really nothing you can do about it ...rather than thinking about it, drinking heine and smoking Camel. I would suggest you to call the settler again and tell him that the amount provided to you is not a fair amount. If you have already done so , then take the money and start a car hunt process. Legal counceling is bullshit unless you are injured. Remember they call'em Ambulance chasers, not accident chasers. Good luck !