Need some advice

So back in March my father was in a motorcycle accident, a woman came into his lane and hit him, luckily he was ok with the exception of his hand.  However his finger is dislocated, the doctors have done surgery but it can never be repaired, he is unable to close his hand and is in constant pain.  Again, this can never be repaired according to the doctors and he will be in pain the rest of his life.  He finally hears from Progressive today 10 months later with the settlment offer.  21k and he is to pay his own doctors bills.  If that wasn't slap in the face enough, the supervisor he was speaking with in Nashville says that it is just a finger and just his left hand.  My father is now unable to ride, play catch with his grandsons, or work without being in extreme pain. I realize that he is fortunate to be alive and it could have been much worse so please don't think I am in anyway underminding that in anyway, but this is my father whom I adore so naturally for him to be insulted in this manor has made me quit livid.  Does anyone know of any good lawyers in the East TN area by chance?  Or know of something I can do?  Everyone says that this is natural with insurance agencies, but it shouldn't be, it will however continue to be unless people finally start fighting back and letting them know that they can not continue to treat people this way.