So my wife had an accident about 2-2.5 years ago that totaled her car. She went to the chiropractor for 4-5 months for adjustments and we received monies that paid off the doctor and a small amount for the car.

The offender that hit her was a “commercial” operator for Porta-johns. They were deemed at fault. The insurance adjuster has been emailing us every few months over the last couple of years about issues getting docs from the chiropractor. They just emailed us the other day stating that they are giving up on obtaining the records and want to pay a small amount for “pain and suffering.” While I am happy about the free chunk of change, I did do my due diligence and see that it doesn’t match any algorithm for calculating pain and suffering.

So the real question is, Should we just take the unexpected money or try and haggle for something higher?

Thanks in advanced!