I was in a car accident and in May 14, 2006 will be the limit to file. I've been working with the insurance company and they want to settle for 13,500. $6,762.75 in what they claim are medical cost and 6,500.00 for my pain and suffering. My medical cost comes out to 14,000, milage @1,095.26. I heard that the common rule is 3 times the medical cost, is this correct?