When should I accept what money the insurance adjuster offers?

Well, without knowing more I'd say you have to gauge the fairness of the amount offered based on the evidence in the personal injury case. We consider medical bills both past and future, pain and suffering from the past and expected in the future, lost wages, a reduced earning capacity, property damage and other elements of recognized damages. 

Steve Lombardi
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Iowa personal injury, workers' compensation, motorcycle, quadriplegic, paraplegic, brain injury, death