Without knowing more, no attorney is going to give a firm opinion. However, if you are totally well, and will have no more problems, it is probably not too bad. Maybe a little on the low side, but not enough to hire an attorney. You might ask for a little more, maybe $200 and see what they say. If you take the settlement and the next day you have more medical problems related to the wreck, remember that I am not in a possition to give you a hard and fast answer.
Your health insurance may...
If the paint job makes your car worth more, then they must pay for the value. They are such asses sometimes. I suppose next they'll say they owe you nothing because it's not their fault your car is not a junker.
There is no such thing as a multiple. To get past all the misinformation, you should get an attorney. You should be able to get a free consult and the lawyer will work for a percentage. You may be entitled to significant compensation for your harms and losses.
Do not trust the agent. If she is not listed as a driver they will say she violated the rental agreement. If she will drive, insist she is listed. Car rental agents are among the worst trained, least knowledgeable clerks you will ever encounter.
If you were injured enough to need medical attention, then it is best to get a personal injury attorney. If it is just property damage, then it really is easiest to turn it over to your insurance company. There is no way you can force a settlement with the other side without filing a lawsuit. But your insurance company has other ways to get paid back and recover your deductible if you end up having to pay one.
You should have exchanged insurance information with the other person. Call your insurance company and report the accident. If you were injured get medical attention, take pictures of the damage, don't talk to the other side's insurance company before you hire a lawyer to help you. If there is only property damage, your insurance company will help you handle it.
The case depends on who was negligent. If 3 lawyers have looked at the case there is obviously a problem. You can talk to as many lawyers as will listen to you. Find a lawyer who is board certified in personal injury trial law. That lawyer will be able to give you an expert opinion.
Since the other driver has no insurance, there is no money to get, especially if the driver goes to jail. You cannot expect a lawyer to sue for a percent of money received (a contingent fee) if there is no money to get. To get a lawyer to take the case, you will have to pay an hourly fee for work done on the case.
You can expect that the offer will be vary low. I cannot determine what your case may be worth, from a question posted here. I would consult with a local personal injury attorney to go over the details.