ALWAYS FIGHT insurance company adjusters' lowball "offers" - and that's what they are - offers to settle. As many have commented, they want to get rid of you as quickly as possible, and are hoping that you're just a clueless schmo who will sigh and take a quickly-issued check for that first amount. And yes, the word "attorney" can be a powerful "incentive."
Over many years of Saab ownership, I have successfully fought back against unfair "settlements" - all for damage that was inflicted upon our Saabs by other drivers or by thieves. Do your research, show them evidence, stand fast if you have the time.
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