<prompt> Human: A teenager recently rear-ended my 2007 Toyota Yaris with his fathers Ford Explorer. The impact whiplashed my head back so hard I had a headache for the rest of the day, and my neck was swollen for the next two days. I told Geico of the injury but I didnt seek medical care. The fathers insurance is also Geico if that matters. The son was declared at fault, and I took my car in for an estimate.Since the frame was bent, my car was estimated to be a total loss, which is a devastating blow to me financially. I have virtually no money saved to buy a new vehicle. The value of my car was estimated by a 3rd party, according to the Geico representative. He stated that Geico would write me a check for 6,645.56.Ive never been in this situation before, and I dont want to end up with some hooptie. My 2007 Toyota Yaris had 150,000 miles. The Kelley Blue Book value for my car is only about 4950, which implies to me that their initial offer of 6,645 is fair. But many other 2007 Yarises on autotrader.com with similar mileage have much higher asking prices in the 9,000-10,000 range.I have only 1,500 in savings, because I recently paid off a credit card to the tune of 5000. I dont even feel like I should have to empty my bank account to pay for this in the first place, since the accident wasnt my fault.To be clear, Im not asking for car buying advice, as reddit is full of great information on this topic. Im simply not sure if, or how, I should argue for a higher offer from their insurance.I have one week to figure out what Im going to do before the dealership takes my rental car back.I really doubt I can find a reliable car with low mileage for 6,600. But should I accept this first offer? If I dont accept their offer, what kind of points should I make in my argument for a higher offer? Should I show Geico the Yarises for sale on Autotrader? Should I complain about my injury? Are there any clever tips I should keep in mind if I reject the 6,600 and fight for a higher offer?The teenage son was well dressed, and his fathers Explorer looked new. I have the fathers phone number. Should I contact him directly and ask him to help me pay for a new car?Thank you, personalfinance, for any advice you can give me.Edit: Many of you have suggested that I talk to a lawyer. I didnt really want to go down this route because of the inevitable cost, but youve all convinced me to at least speak to one and hear what he has to say. Ive got a consultation in the morning. Thanks!  <response>: Honestly, whiplash and headaches, you could probably get more. Its up to you to ask for more or get a lawyer to help you get more.Who knows what comes up in 5 years, you might start getting migraines or something because of how hard you hit your head. 