You didn't see the other car coming before it sideswiped you. The only thing you really remember is seeing a flash out of the corner of your eye. At that point, it was too late to do anything.
The other party stayed at the scene and gave you his information. He had good insurance and even admitted he was at fault. You assumed the claim process would be simple and that the insurance company would be fair. Now, they're offering a settlement, and it's not even close to what you need.
Some insurers try to take advantage of the injured
When you're pressed for time and money, you're more likely to make a deal for a settlement much lower than what you should take. Some insurers deny claims initially, making you wait longer to obtain the compensation you need. Others take their time, dragging out the process so long that you're willing to take whatever they'll give you.
Don't let an insurer take advantage of you after a crash
After a crash, you're the victim. You deserve time to recover and to have your medical care and lost wages covered by the other party's insurance carrier. There's no reason for the insurance carrier to try to deny your claim, especially in a case where the driver admitted full fault.
Insurance companies could claim that the driver hit you on purpose, which could release them from liability. They could systematically deny claims in the hope of dragging out the process and making you give up your rights to what you really deserve.
What should you do after an accident to avoid insurance issues?
Never take a settlement when it's offered to you initially. Take time to discuss the settlement with your attorney, and keep records of your true costs. Your attorney can and will fight for you to get what you deserve.