All my legal advice comes from 40 years of legal advice given to me by my attorney father.
You aren't trying to scam any money out of this woman's insurance company. You aren't trying to get extra money for a broken nail. You have a right to get your medical expenses covered, as well as any time lost from work. The woman who hit you did everything right, well except for hitting you that is. Her insurance company wants to settle this as cheaply as possible, which might not be in your best interest.
Before you agree to anything that the insurance company is offering, which by the way, they honestly could care less about you, they are looking out for their best interests, not yours. Talk to a lawyer about what they are offering.
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Free your heart from hatred. Free your mind from worries. Live simply. Give more. Expect less.
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