Is this a final offer letter?...Because what they are offering is not reasonable...?

Hello Duchess. Even if this is a true "final" offer, it doesnt mean that is all you are entitled to. No insurance company stays in business by paying out more than it absolutely has to. You can negoitiate this yourself, but you would be FAR better off in retaining an attorney. They are many who take this on as a contingency basis. That means they get anywhere from 25% to 40% of the settlement amount when it is over and done. As such, they will fight that much harder to represent you. The more you are awarded, the more they get as well. Let the insurance company sweat for a bit and contact a couple of attorneys. Dont sign on the dotted line with anyone right away and make sure to tell each one you are talking to others. Made an informed decision as to who you want to represent you. Best of luck to you and I hope you have found this useful.