How do we know if we are being given a fair shake in the car accident settlement?

I am asking this knowing there is no exact formula to deciding settlements in this type of case.My fiancé and I were recently in a car accident. He was driving, and I was the passenger. We were headed down a road and a woman pulled out of a side street and hit the car on my side. The other driver and her insurance are taking 100% liability. They have recently made us offers based on medical needs and pain/suffering. We had to go to the ER to get checked out, my fiancé had his knee xrayed, I was given medication. We were both out one day of work (he is salaried and I am part time hourly). We both still (a little more than a week later) experience discomfort him in the knee, me in the elbow that was on the side that got hit.How do we know if we are being given a fair shake? What would you ask for form the insurance for your clients in a similar situation?