Auto Insurance Claims: rear ended and car totaled, kelly blue book, ford f 150

Question
I was stopped at a four way behind two other vehicles.  The car behind me didn't stop doing 50...he hit me so hard he shoved my Toyota camry up under a ford f-150 and made that truck hit the car in front of him.  my car was like a sandwich.  I was rushed to the ER and was diagnosed with severe whiplash.  I have hired an attorney.  I only had the car for three days and paid 7000 for it.  the insurance company only wants to give me 4300 for it.  my car was totaled and I am seriously hurt.  have been out of work for two weeks and don't know when the doctor will let me go back.  i am a single mother and a college student.  what do i do about my car.  i put 3000 in it and had the rest financed.  the 4300 wont even pay the loan back.  i have to see a physical therapist for i don't even know how long and the insurance company is trying to screw me with no Vaseline if you know what i mean.   please try to answer my questions.  how much should i get for my car and should i expect for my bodily injury?  he had full coverage with progressive.

Answer
Since you are represented by an attorney, you really should be asking the attorney these questions.  That is why you hired him/her.

For the injury claim, I can't give any etimate at this point.  It will depend on how serious the injury is, medical expenses, lost wages, recovery, pain, etc.

For the car damage, they owe you the retail value of the car.  This is what you could have sold the car for immediately before it was damaged.  This is not necessarily the same as what you paid for it.  For example, if you paid more than you needed to, they do not owe the larger amount.  

You can estimate the value by using NADA online.  They will provide free vehicle values.  Other similar sites include Kelly Blue Book and Edmonds.  NADA is the most widely used and respected.  you can also research how much similar cars are selling for at Cars.com or other classifieds.  Keep in mind that most vehicles sell for less than the asking or list price.  You could call a couple used car dealers and ask their opinion.  If after doing this research, you determine that their offer is unfair, you should present them with evidence to support your opinion.  Since you have an attorney, he/she should be doing this for you.  If he/she refuses, maybe you need a new attorney who will do so.