There are economic damages (medical bills, rental car, loss of wages) and non-economic damages (pain and suffering).

The carrier already paid the medical bills. Your only remaining economic damages total $877.79, correct?

The carrier has offered to pay those remaining economic damages (877.79) plus non-economic damages in the amount of $3000.

The carrier has reasoned their offer is really $3544.48 (previously paid medical billing) plus $3877.79 = $7422.27

Without knowing what injuries were incurred, the offer may be reasonable.

Forget about multipliers of 2, 3, or 4 times the medical billing. Here in Los Angeles, juries are giving non-economic damages equal or less than the total medical specials. Economy is down so jury awards go down also.