Ok I’m at a total loss.

Ok I’m at a total loss. 3/11/09 I was stopped at a 3 way intersection and was stuck from behind. 100% fault is to the driver who was ticketed for failure to control speed. My dad picked me up from the scene and drove me to the hospital. My car was deemed a total loss with $8200 in damages (bumper was sitting in back seat). It was a 2001 Pontiac Grand Am SE1, 4door, all auto, and standard stock options (spoiler, power seat, ABS, ect). At fault driver’s insurance “State Farms” rated the car in good condition overall with minimal wear/damage. There was 126.628 miles on this car and a new engine was installed in May 08 with only 6,000 miles on it at the time of the wreck. The insurance company is only offering $3,950. I pulled NADA, Kelly, Edmunds, and comparable comps (Dallas area) and they are more than what State Farms has offered. I have addressed my dispute with the supervisor and the now claim my car is now worth less than the initially offered. I have filed a complaint with the Texas Department of Insurance which is kinda of a joke but anyway still no progress. So now I am looking at filing on my insurance “Allstate” for total loss. Allstate is supposed to go and look at my car and determine if total loss and value. I guess I’m asking if I am being unrealistic in what I deem as fair value which is around 5k +/-.

On another note the personal injury adjustor seems to be doing a good job at this point as I have yet to pay out for my medical, MRI, and chiropractic care. Which kinda scares me that she is being so nice, I’m an older college student graduating this May. At least hopefully as this wreck has put me so far behind that I had to drop a class just to try to catch up in the classes required for me to graduate. I am not able fulfill my duties as president of a non-profit organization. My toddler doesn’t understand why I can’t do things with her I used too and I am also losing jobs from freelancing over this wreck. Anyway I called for my medical bills and it looks like I am at 10k in debt and still needing medical care. I just yesterday opened a claim on my PIP ($2,500) because I feared that my insurance would increase. So now I am flipping because I looked up Texas basic auto policy limits and I am so worried that my medical may go over the 25k (nerve damage in my neck) . How do I determine to continue medical care or just forgo them if the are in an excess of policy limits. Granted I really don’t know the limits are I am just guessing because the other driver was in a 1996 Ford Mustang. I am worried that after I graduate not only do I have to pay back my student loans but also medial bills.

I did consult with 2 attorney’s but I was not impressed and felt icky after talking to them. Any help or advice would be much appreciated.