Should I accept a settlement in my burn case in Florida?

Probably not, because if you’re unrepresented, the insurance adjuster is trying to take advantage of your lack of knowledge, and that you don’t know what the legal elements of damages are under Florida law, that you don’t know about human damages, and those type of things. If you have been offered a settlement, take it to a qualified, experienced personal injury attorney, and normally without any obligation they’ll tell you whether it’s a good deal or a bad deal. If it’s a good deal, you won’t have to pay an attorney’s fee. If it’s a bad deal, you need to retain an attorney to represent you and get you some justice.