<prompt> Human: So my girlfriend was in an accident where she was not at fault. She has waited a week for the other insurance company to do anything. Has been without a car and no word about compensation for her medical appointments thats shes had to go to or anything. She had to reach out to them initially and was able to get very little information. After multiple attempts to reach them with no resolve shes missed class and other inconveniences. They finally get a hold of here a week later and offer 5k for a totaled vehicle car is worth 4k. 2k for medical and 1k for inconveniences. My question is if anyone knows how this process works and if there is any negotiating room in these offers. She is banged up but no evident issue medically other than whiplash. She is worried something serious may develop down the road and wont have the finances to cover it. Should she seek more compensation and if so what are some keys and things to consider when doing so?Thank you so much for your help. I love this Sub and all you do. I will update on what happens as she will be contacting her back within a few days. Thanks again!  <response>: As an attorney who practices in this area, I would recommend resolving the property damage separate from any potential bodily injury settlement. Sounds like the offer on the vehicle is fair market value and if you agree, probably not a whole lot of room to negotiate there. Injuries are a whole different ballgame. Sounds like she needs to give herself some time to make sure she is healed and doesnt require any more treatment. A settlement now means she will be releasing the other driver and the insurance company. In other words, no more money. That could be a problem if she ends up requiring more care. Depending on the extent of injuries and treatment, you may want to consult with a lawyer before settling, but you may not. I think you typically get higher offers from an insurance company when you have a lawywr, but at the same time you are then giving the lawyer a fairly large cut. The trade off has to be worth it. If you handle on your own, see what you can find out about your area as far as case valuations and then work off her actual expenses medical, wages, mileage to try and figure out a fair amount that also gives her some pain and suffering. 