Should I hold out against the adjuster's settlement if i'm not satisfied and is a trial worth it?

Hi, I'm a Marine combat veteran of two wars, and a first year law school student. The other day I was involved in an auto accident at 60 mph, other drivers fault. I went to the hospital, have had follow up care, and been advised to see a chiropractor, though I'm not sure I want to do that, as what I've heard about chiropractors is not good.I still have some pain, though most of it has receded. I haven't been able to run and work out, My very pregnant wife has had to care for our other two kids all by her self, I can't throw the ball with my son, and I have trouble sitting through my classes because of the pain. The doctors said i should fully recover, and as I said, I am already starting to feel better. might even be able to run and hit the gym soon.I want to file a claim for pain and suffering, recoup the cost of my totaled vehicle, file a claim for my wife for loss of consortium. My professor said most adjusters use a 3x medical bill formula for these sort of cases. So, my questions are (1) is this the formula, and if not how is it decided? (2) am I forgetting any tort claims I may have? (3) given the broad facts I've given what range of compensation am I entitled to, and (4) should I hire a lawyer for this? Thanks for your consideration.