Last February I tore my ACL and my medial and lateral meniscus. Surgery was in March and I received a few weeks of temp disability payments until going back on light duty. I completed several weeks of rehab which helped but I have been in pain since. Today my Dr said because my knee was so badly damaged that this is the best it will get. I am having MMI meeting with a Dr next week and I am told there will be a settlement. My question is if my knee is going to be an ongoing problem how to they figure out a settlement amount? Also do I have to just take the offer or is it better to get an attorney. I really don't want to get an attorney if at all possible but I don't want to have to come out of pocket for future problems associated with my knee. According to some research I have done the settlements seem to be very little compared to what I am going to have to spend, especially when a knee replacement is necessary. So any idea what kind of $ figures I could expect, and do I negotiate or is the offer final?