We were on our way to pick up our new vehicle (yippee) when we were rear-ended. (in our probe, hit by a 1-ton work company truck). Hubby & I have hurt necks, & we're going to a chiropractor today. I just got the estimate on repairs, & it's $2000. The retail blue book on the car is $3800, but checking the papers I see mostly $2500 retail value. His agent mentioned they might total it. How does all this work? How much should I settle for? How much are injuries worth? Hubby's not too bad, my back & neck are worse, not to mention the headache I've had since the accident last Tuesday. I was going to sell the car anyway, so I won't be sad if they pay me off.