I was not wanting to hire an attorney, I was rearended June 15, 2008. My shoulder was injured I sought medical care that day at critical care. I am now having to face shoulder surgery. Forgot to mention this happened the day before I started a new job so I have no sick time. So far my health insurance has paid my medical bills. There have not been a lot as of yet, but now I have a pending surgery and will have lost time from work. I was wanting to know how do you know what to ask for in the settlement.