I was the victim of a a fender bender a couple of months ago. the other driver admitted fault and his insurance company very quickly arranged for my car to be fixed, and paid for rental car etc. my neck and shoulders were stiff for a few weeks. Xrays were taken and I went to see the doctor. medical bills have been faxed. anyhow, we are supposed to "settle" tomorrow with the other driver's insurance company. I feel fine, but i have heard that I may be predisposed to upper body aches and pains later on. what is a customary amount to accept from the insurance company? I have heard that the insurance company starts off with a low dollar amount. Does anyone have a sense of the guidelines? Is is customary to negotiate? How much should we settle for? What's the process? Any advice greatly appreciated. Thanks.