<prompt> Human: hey pf, this is my first time posting so sorry for any mistakes. so in the middle of march i was in my first car accident. i was t-boned by an old lady in target parking lot. she admitted fault and her insurance company paid to have my car repaired over 2000 and for my visits to the chiropractor about 8 visits. I received a call from the old ladys insurance adjuster stating that they were going to offer me a full and final settlement of 1000 to cover 531 for chiropractor bills and 500 for pain and suffering. since i know nothing about how this side of insurance works, is this a fair amount? also, is the 531 for bills need to actually be paid to the doctor or will insurance already have paid them that amount?sorry for the long post im just completely clueless and dont want to be taken advantage of.  <response>: Theres zero reason for you to accept that, especially if you are still going to the chiropractor. Those bills are their responsibility anyway, they are just trying to limit any further liability. There are TONS of people who have accepted final settlements before the full extent of their injuries became known and regret it. People with lifelong debilitating injuries, who have no recourse.Dont be that guy for 500. 