You are clueless about what is fair and reasonable and yet you are trying to handle this alone.Insurance companies love dealing with the clueless, as the clueless often ruin their own cases and then are lucky to get a few bucks as nuisance value.Speak with an auto accident / personal injury lawyer. If your case is too small, or the lawyer can't do far better for you (net of fees) than you can do on your own s/he will tell you. Go to www.AttorneyPages.com and get a good lawyer -- initial consultations in such cases are almost always free.