Daughter was passenger in her boyfriends car and was severely injured in auto accident. His insurance company is wanting to settle for the policy amount of 100,000 for bodily injury. I am concrened about the potential for further treatment due to her injuries. She will recieve a cash settlement for about 45,000 after her present doctor bills are paid. My wife and I will recieve about $10,000 for lost wages the two weeks she was hospitalized. Is this a fair settlement or should I file a lawsuit?