I was involved in a car accident a week ago as a passenger. The car was totaled per insurance agent. I went to the dr. and was given pain medicine and told that I had inflammation in my shoulders and swelling and pain in my hand(it hit and cracked the windshield). I am fine other than swelling and pain especially in that hand. What should I do. Insurance agent says they will pay above and beyond medical. But referred to my injuries as bumps and bruises. It hurt when it happened and hurts now. I'm a little paranoid when I drive now. How much is suitable for this accident in a settlement? I live in Tennessee. The other driver has admitted fault and was given a ticket at the site.