how do i know if what i am being offered from an insurance agency is what is fare??

You should not feel that it is greedy to seek fair compensation for your injuries.  You are entitled to money for your expenses arising from the accident, such as loss of income for any time off work and medical expenses paid for by you or your insurance company.  You also are entitled to any future medical expenses for treatment of the injuries you have suffered.  You may also seek compensation for any permanent impairment or disfigurement, and for your pain and suffering.  For a more complete discussion of damages in a personal injury claim please visit: http://www.chalatlaw.com/Personal_Injury_Case_Overview.html    

 Generally speaking, insurance companies are in business to make a profit so it is very unlikely that they are presenting you with their best offer right out of the gate. If you have minor injuries and you want to negotiate for yourself, try asking for double what they offered and see what their responses is.  I think the better course would be for you to consult a personal injury attorney who has experience in determining the value of a case because you have no idea whether you are being taken advantage of.  If you do retain an attorney, make sure that it is understood that their fee is only applicable to any recovery over and above the offer that is already on the table. Good luck.