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  #3 ()
: If the other person was at fault and their insurance is paying then at a minimum they should pay you the value of your totaled car, The value of all your medical bills, The value of your missed time at work, and a few thousand (or more) extra for all your pain and suffering.

5000 is not enough.

If you were at fault and your insurance is paying then it will be limited by the type of coverage you have and the amount of your deductible. It still seems low.

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