I was in a head on collision Aug 08, not my fault. His car was totaled and mine had 7200.00 in damages that they've already paid for. I've gone to the chiropractor for a couple months now and have decided to settle. I had (still have issues) really bad whiplash, 2 bulged dics and many problems with the left side of my body after the accident. My question is... what should we expect? Do they only pay for the co-pays of everything (ER,MRI,CHIROPRACTOR) or the total cost of the medical Bills? I'm 6 months pregnant now and am also worried that they're going to blame my neck problems on that. I've tried doing everything right by keeping records of everything and receipts but I don't want to get "screwed". The total cost of EVERYTHING including my car is a little over 15,000. Please help, we meet tomorrow!