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An insurance company will settle for as little as possible to make you go away without filing a lawsuit.

You should probably consider gathering up your medical bills and expenses and meeting with an attorney that practices in personal injury. Even if you don't retain them, you can still get a better idea of how a fair judgement would be calculated by a court, so that you can get a better grasp on what you should ask for in the settlement.

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Q: How much should an automobile insurance co settle for if you receive back injuries that may affect you down the line?
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