What to do if we were out to eat and a coffee pot was placed at our table near my 10 month old who grabbed it and was severely burned?

Question Details: Before we could get to he had gotten to it. He suffered bad burns on his chest, armpit and arm. The owner was very rude to me telling me I should have been watching my child. We took him to urgent care only because the closest ER would have been a 20 minute drive. Our son is going to have scarring since he had mostly second degree (and also some first degree). The insurance agent contacted me to get my info and she said the adjuster would contact me within 48 hours. How do you know if what they offer is a good amount to accept?

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