Auto Insurance Claims: Auto injury settlement value, ambulance emergency, scan x

Question
My wife had $10,000 in medical bills with a hurt back from a no fault, uninsured motorist accident.  She is approx. 70% back to pre accident condition and her doctors told her she would probally only get to 90%.  We are in negotiations with our own insurance agent and he offered $5,000 plus the $10,000 paid by pip.  We countered to $35,000 plus the $10,000 and then they countered to $6,700 plus the $10,000.  Do you see an amount we should go for?  Please help and thanks

Answer
Hi Nick,
In order to try to be of assistance, I need more information.

Please send me a follow-up question with answers to the following:
1) The exact date of the accident and your state of residence and
  the state where the accident happened if different.
2) Do you live in or near a metropolitan area, or in a small town
  or rural county.
3) Your wife's age.
4) If she is/was employed, the net amount of her wage losses and an
  estimate of her future wage losses.
5) The actual medical costs in each category, Ambulance, Emergency
  room visit and tell me what was done there, The total number of
  visits to a Medicial SPECIALIST and the total cost, the total
  number of visits to a Medical DOCTOR and the cost, the total
  number of visits to a Registered Physical Therapist that were
  prescribed by a medical doctor and their total cost.  If your
  wife was hospitalized overnight or longer, the total number
  of days and the total bill.
6) All special tests such as a MRI, CT scan, X-rays, etc., and
  the cost of each.
7) The total cost of all prescription medications taken as a
  result of the accident and the name and costs of any medical
  supplies or equipment and any other medical visits or tests
  that I haven't mentioned.
8) The number of visits to a CHIROPRACTOR and the total cost.
9) The approximate total miles that has been driven to get her
  to and from all doctor visits, physical therapy visits or
  chiropractor visits.
10) All costs incurred by having to hire someone to do or help
   with her normal household chores such as cleaning, cooking
   and grocery shopping.

If you prefer that the general public not be able to read that information or my reply, simply mark your follow-up as PRIVATE
and it can only be read by you and myself.

Bennie
San Francisco Bay Area