Should I get a higher 'pain and suffering' settlement from the insurance company of the driver who was deemed fully at fault?

Was hit on my side (driver) when other driver ran a stop sign at approx 35mph. My car was totaled. It was pushed into a tree in the ditch. I've been treated for neck and back pain. I had neck issues prior, but the accident caused further damage and accelerated the issues and has given me chronic pain. Other insurance company has offered a settlement I feel is too low, ($11,500 less PIP reimbursements to my insurance company of approx. $4500). Considering I will have chronic neck/back pain to deal with the remainder of my life, which is supported by my physician, I feel the settlement should be at least a bit higher.