My 4 year old son & I were hurt in a auto accident. The driver of the other car ran a stop sign at high speed. My van was totaled. My son and I both sustained injuries. My question is that the other insurance company is not offering the amount of $$ to settle as I had anticipated, and I'm not sure what "fair" is anymore. Is there a guideline? How does one determine how much "pain and suffering" is worth in $$ ??