I was rear ended by a city work truck while sitting at a red light. They were at fault and not denying claim. I have three herniated disk in my neck and a sprained back. I just completed 3 months of theraphy. I have limited movement to the right when moving my neck which will sooner or later need spinal fusion therapy which I am declining at this time. The city has a $100,000 cap on lawsuits. Do I have a good chance to recover this amount? Also the car involved was a brand new 2010 ford fusion with 5,000 on it at the time. Damage was $5,500.