I'll chip in my $.02 here as I'm dealing with a car accident here myself. Today is actually the 4 year mark. I have approx $45k in medical bills to date. The accident was "minor" in the insurance company's eyes. We were rear ended while stopped at a stop sign. Only a few thousand dollars of car damage because our Acura handled the straight on collision really well. That said, my attorney has gone back and forth with their adjusters for about 3 years now. They keep throwing out numbers not even close to covering medical bills. The latest as of today is we MIGHT be able to get enough to cover all the bills to date if the lawyer takes a reduced fee. The issue they say is that I haven't had surgery. Because of that, it's not considered seriously. Meanwhile I wind up with spasms that get so tight every couple of months that I have to get trigger point steroid injections to function. They've recommended epidural steroid injections, but I'm told that's $10k and not interested in laying out that kind of cash if I'm not going to recoup it!
Today is the last day to file per statute of limitations, so we filed a suit. I'm told this gets us a new adjuster who might be more interested in settling.
Either way, my experience is that if you haven't had surgery, you're not going to get much. At least here in Florida.