At this point, you aren't dealing with the driver any more, you are dealing with an insurance company. You really only have two choices; hire a lawyer and see how much you can get or accept the settlement that they offer you, cover your losses and move on with your life. You really can't negotiate an accident settlement with an insurance company by yourself.
If I had any lingering medical problems at all, I'd hire a lawyer. Without them, I'd move on.
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