text: Neither the insurance company nor your attorney want this thing to go to trial.  It is costly and most often times cheaper for the insurance company just to pay you to go away.  Chances are very great that if you present them with a reasonable demand, they will meet you with a reasonable offer.  If you are unreasonable, you will end up in trial.  \n\nAnd yes, your attorney has to make every offer to settle known to you.\n\n[edit]  Also remember, probably part of your agreement states that you will be responsible for reimbursing your attorney for expense incurred.  These can kill your settlement offer.  Things like postage, copying, deposition expenses, expert expenses, all are very very costly.