So, I still don't see how you're saying around $500 in medical bills turns into $6k pain and suffering? I don't think someone would be successful in court asking for that, and I don't think the insurance company would settle for that even with an attorney. I might could see it if you had a big scar on your face or something.
Since I already figured the medical bills would probably be low. I figured it would be best to see what I could get the insurance company's max settlement to. Then talk to a lawyer and see what he thinks my case is worth and how much he thinks he could get it settled for. Based on that I'd figure up the attorneys fees and see what is my best option. For example. If their offer was $1k. And the lawyer says he thinks he could get $1.5k. Then it isn't worth my time getting an attorney involved since I'd end up getting the same.
But if the attorney said he thinks he could get $3k. Then it may just be worth my time. But you could get screwed if their settlement offer remains low and my attorney is only there to settle and not go to court.