Wreck-Diving.org

I was involved in an accident on July 1, 2009. I was coming through an intersection (with a green light) and a vehicle coming in the opposite direction decided to pull out in front of me and make a left hand turn. I ended up hitting them. They were found at fault. I settled with my insurance company to cover the cost of my vehicle. Damages came to about , 500 and with that amount my car was totaled. My insurance company (Nationwide) gave me about ,500, the other drivers insurance company offered me almost a thousand less. I was still financing, so the entire ,500 paid for what I owed on my car. I then hired an attorney. I sustained a concussion (which I still encounter headaches from and it could continue for years), neck and back pain, lots of bruising, bumps and burns (from the air bags deploying), not to mention the emotional trauma I am STILL going through, I dove into a deep depression from it all. I have about ,000 in medical expenses (physical therapy, doctors visits etc.) My claim has just now been passed over to the insurance company! What should I expect? What should I base my settlement amount off of? How do you determine how much you should be awarded for pain and suffering? I lost my job from the accident (because I had no car). It’s been almost a year and I still have no car. Can’t afford to buy one without a job and can’t really get a job without a car (goes hand in hand). This wreck has put me through a lot. I hope and pray it’s my last. Any advice? Anything I should go by when the insurance company comes to my lawyer with an offer? Any advice or suggestions is much, much appreciated! Thank you!