Like I said, they will want you to settle quickly on the car but it won't be much. If you fight the value, they'll drag their feet knowing you're without a car and will get desperate. As far as pain and suffering, lost wages, etc, that may go on for years. When I busted my face up in my dad's Chevelle, it took a lawyer (who got a third of the money plus expenses), 2 years and almost going to court before they settled.