I should probably be asking a lawyer this question, but I decided to bring it here first and get some people's input from people who may have had to deal with this before so here goes. Last summer I was involved in a car accident that was not my fault. To make a long story short, I was rear ended by a semi truck hauling brand new cars while sitting at a dead stop in traffic in St. Louis. My car was totaled and I had very little problems with getting the semi truck's insurance company to reimburse me for my car and they probably even overpaid a little compared to what the car was worth. That was all fine and dandy. Now they want to go ahead and settle all the medical debts, pain and suffering, etc. My medical bills from the accident totaled around $2000. They are offering to pay all those and pay me a sum of $1500 for pain and suffering. I wasn't severely injured from the accident, but suffered some neck problems, but I have had neck problems in the past due to a bulging disc which was probably aggravated in the accident as well. I spoke with a lawyer about the matter who pretty much brushed me off and made it seem like he wouldn't even bother with the case unless it was for BIG money. Asshole lawyers. Now here's the tricky part, they had asked me from the beginning what I did for a living and I told them I was self employed. They asked if I had missed any of my work as a result and of course I said yes because at first it was hard for me to concentrate and sit at the computer doing my online work while my neck was in pain. But now with this settlement offer they haven't even mentioned lost wages or factored that in. So what would you do? I already have the papers ready to sign for the settlement they offered, but now I think I should call back and decline it mentioning the lost wages that weren't brought up. I think some of these insurance companies rush to get you to sign paperwork to save their company money. As I'm sure a lot of your are solely self employed, have you ever had to deal with this before? I would appreciate some advice on this matter. Thanks.