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2K is like spitting in your face. My mom had "no injuries" from an accident almost 10 years ago and her neck still hurts almost daily. Lawyer up; talk to everyone you know and find a good one, most will be no cost if you don't win. If you're still in pain a week later with back and neck pain and it's hampering your job search, you're probably going to have recurring medical costs for years and a jury will likely find that you're entitled to something in the 20-30k range plus legal costs based on typical settlements around here.
I hope it all works out well for you and your wife, the last thing you should have to worry about now is money.
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