My son and I were   in a car accident over 2 years ago. Well, the auto insurance wants to   settle. It is going to be a "policy limit", but they are not giving my   son anything. He was 2 years old when it happened. He was not hurt bad,   but was bruised for about a week and scared to go in a car for about 6   months. I had my sciatic nerve pinched and a bulging disk. I am always   in pain and all they want to give me is 20,000. But, that is before   medical and my lawyers fees. Isnt my son entitled to something? Why is   it so low for all the pain I have gone through. One more thing does the   lawyer get his fee before or after medical bills are paid?