I was hit from behind in a car accident with my two kids, both under two about two weeks ago. Thank God they were ok, but my car was smashed in so bad from the accident, the car was written off as a total loss and they just gave me $2000. I plan on using that as a down payment for a car which I hate because my car was paid off. My claims adjuster told me they were going to pay me a one time settlement, for pain and suffering and they are giving me something called PIP insurance for the kids and I. Everyone is saying I should get a lawyer to get a lot of money, but I don't want to get rich you know? The only injury I have is a stiff neck/shoulder, a ongoing headache, and a little pain on my spine that I am taking medications for. Everyone is telling me I should get a lot of money because my kids were in the car, but I don't think so because it wasn't a car accident to where anyone was hurt terribly. What do you think is a fair settlement amount?