If I was in a Florida truck accident, should I accept a settlement from their insurance company?

Probably not. Most insurance companies, liability carriers for trucking operations, their purpose is to save the insurance company money and to minimize the exposure of the trucking company. Very seldom will an insurance adjuster treat you fairly. More likely than not you are going to need an attorney because he can tell you what the value of your case is, and once again, most attorneys that I know will give you an evaluation of your case without any obligation, if you in fact have received an offer from an insurance company, they can tell you best based on their experience and training what the value of your case is, and if in fact they’ve made you a fair offer, the attorney should not charge you a fee, you can accept the offer. If they haven’t, they’ll tell you why you shouldn’t accept the offer.