[BarryRX]

Get a lawyer immediately. Whatever the other guys insurance company offers you,they are low balling you because that's their job. If you think you can handle yourself against lawyers from the other guys insurance company,you are wrong. Their only job is to get you to settle for the least amount of money possible ant to get you to sign a release against any further claims. A good personal injury lawyer should be able to collect more than you would have been able to on your own, and more than make up for their contingency fee. Think of it this way....the other guys insurance company would much rather deal directly with you than with your lawyer. Why do you suppose that is?