OK, the other person's insurance company just called with the amount of my claim and I'm shocked. On 10/23/09 me, my wife and 2 young daughters age 2 and 4 were rear-ended while at a stoplight. the other driver was older lady, handicapped sticker and fairly incoherent like she was on medication. The 'officer' said something is not right with her and found out she's a cancer survivor, medication, blah blah. So that was Friday night. My wife and I were in pain all weekend, neck and lower back. She hit us probably 25-30 mph her Camry into our minivan. Insurance already paid $1248. for damage to our car. OK, so I now have chiro bills of $1795., xrays of $1632., 2 family doc visits maybe $200. Made 11-12 chiro visits and I've been released but have a crick in my neck still that makes me grouchy! So Progressive called and offerred $1329. for first 8 weeks chiro and $546. for me. $546., are you kidding me!!???!?!? Somewhere deep down I'm thinking $2-3K for the 'pain and suffering' part. What do you you guys think, any experience with this?