Hi there,
Firstly, sorry to hear about your accident as this can be a very confusing time.
The first thing to remember about insurance companies is that they like to get away with paying out as little as possible. Ignore the fact of legal costs as you should realistically never have to pay these anyway, as a good claims company will always use a proven no-win no-fee solicitor who has insurance in place to guarantee that you receive 100% of your compensation award and that in the event of you losing your case, none of the costs are passed on to you. The claims company should NEVER charge you.
With reference to the insurance company, do not accept their offer as your claim will be severely undervalued as there are in place general damage amounts which are used on a case-by-case basis by solicitors when they examine your case.
Please choose carefully when you proceed with your claim as there are those out there who are out to rip you off (including the insurance company).
I wish you a speedy recovery and please let me know how the case progresses.