Hello Becky-
If I were you I would ask for the most ridiculous amount and see what happens, look up compensation for your husbands injury on-line and go from there. Your husband is going to suffer for the rest of his life, the amount is never to small. That's just my opinion

My husband and I have been dealing w/his case now for almost 2 yrs w/out an attorney and I'm glad we didn't get one. However from my experience I know for a fact the insurance company will try to pay out as little as possible, and if you plan to settle everything Medical and Disability, then 200,000 is way to low. You need to settle for an amount that will retire your husband for good. Or do not settle on the Medical, make sure he gets it for LIFE. Why the heck not- his injury is permanent. It's going to hinder him for the rest of his life, you can't put a price on his back. Good Luck