Thank you for using JustAnswer. I am JudgeLaw and I will do whatever I can to answer your question and provide you excellent service.
I am sorry to hear of your dilemma. I realize how frustrating this is for you, but I believe I have information which you will find helpful.
You can probably start out without an attorney. If they will not make a fair offer or keep putting you off ans force you to file suit, then it is time to retain counsel because you are probably dealing with a substandard insurance company and they will do everything they can to frustrate you so that you just go away.
As a rule of thumb, minor car accidents
settle for 2 to 4 times your total medical expenses, plus your lost wages.
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