So out of the other driver's policy which is a $100,000.00, what should be a fair settlement offer, or am I entitled to the entire amount regardless?

I was hit from the back earlier this year. A relative and I was sitting at a light and while the light was still red and we were at a complete stop and a van hits us from the back. The impact was low. However, it was hard enough to cause us to hit the car in front of us. We had all the usual treatment, used up all of our MMI, X-ray s, including MRI's which revealed that I have 4 herniated disc, two in my neck and two in my lower back. One of the discs in my back has an annular tear which is pushing fluids onto the nerves in my spine. I don't want to have surgery even though at the consultation. The doctor said that surgery is needed. My percentage of fault is 0. I was a passenger in a relative's car. My medical bills right now are $20,000. However, her PIP is going to pay $10,000 and her uninsured motorist will pay another $10,000 which should clear out my medical bills.