In auto collision claims the insurance company is generally not going to give you a contingency plan settlement. You are entitled to make a claim for the total medical bills, loss wages actually incurred and something for pain & suffering/inconvenience. Your claim appears to be rather minor (e.g. small amount of medical bills and it is not clear from your description whether you incurred any loss wages) so you might want to settle this matter on your own but you can always consult an an auto accident attorney to determine whether you would be better off with a lawyer resolving this matter for you. Good luck with your claim.
Answered on Feb 13th, 2013 at 8:30 PM