Hi! I was in a car accident in California in August. A tractor trailer driver failed to break and hit the car behind me, flinging it into mine, which in turn flung me into oncoming traffic. Luckily, no one was coming, and I landed in a ditch. The other car was turned on its side, and the driver rode in an ambulance to the hospital. He was released after a couple of days. I was driving a rental car— a hatchback— which was totaled but otherwise is not at issue with me (other than the fact that the bucket seat BUCKLED after smacking me in the head!!!). My dog was in the back seat, and was, needless to say, freaked out and bruised from the accident, but so far, he has no evident lasting effects. I was kind of beat up, bruised basically from head to toe with a few scrapes, but I was able to function and did not go to the hospital. My neck, shoulders, and back were sore for weeks afterward, but I think I will ultimately be okay. I had x-rays of my neck taken at urgent care, and the doctor saw some movement of my vertebrae that she recommended being addressed at some point, but right now, I’m okay other than occasional tightness in my head/shoulder area. I have not yet been to the chiropractor, but I plan on going to get checked out soon. The accident was very scary and incredibly inconvenient with some residual effects, but not the worst thing that has ever happened to anyone.

The trucker’s insurance company has been cooperative. They reimbursed me for direct out-of-pocket expenses (hotel, rental car, doctor’s visit, vet bill, etc.— I was not working at the time, so I couldn’t ask for work time lost). I don’t think it will be worthwhile to sue the company, and they have offered a settlement of $8000 over and above the reimbursement. Is that a good settlement? Should I counter offer for more? How much more? I’m not trying to make this a PAY DAY, but I don’t want to needlessly leave money on the table either. Any advice?