I was injured at an Airbnb property in the US. I informed Airbnb already about it when I wrote my review for the host and they assigned an insurance adjuster to handle my case. Some questions:

1. It seems that the insurance adjuster creates some conflict of interest between the Airbnb and the host. On one hand, it represents Airbnb. But if I am not satisfied with its proposed settlement amount, I will file a lawsuit against the host. So, the adjuster may want to have me reject his offer and sue the host instead. Is my logic correct?

2. Has anybody been in my situation before? What's your advice? What were the total damages and what was the settlement amount, if you don't mind disclosing?

3. My injury most likely does not warrant a trial. What are my general strategies to maximize my settlement? What online resources are useful?

I know these are general questions, but I am new to this topic and I certainly appreciate your help.