thanks for your consideration, little darwin, and your logically thought out answer. i wouldnt necessarily say that i am trying to make a profit. i dont feel the need to max out whatever the insured drivers per-accident limit may be. were i trying to do this, yes, i would hire a lawyer. as i initially wrote, i am not trying to take advantage of the insurance.

however, there was a decent amount of pain. for what it is worth, i have had both knee and back surgery. i have two steel rods fused in my spine. i wrote that i know that no one can tell me how much my pain is worth. i know that every situation is different.

i suppose i am simply trying to either find resources to help me determine what would be a fair and acceptable range answer to the question they asked me. i am trying to do my homework.