I doubt that a doctor would be willing to testify that your difficult labor was caused by the auto accident. Without a doctor willing to say that, you can't recover anything for the labor bills or the pain and suffering you went through during labor. Ask your obstetrician if he or she would be willing to write a letter saying you had a more difficult labor or pregnancy due to the auto accident. Also ask your obstetrician if the auto accident cost you anything more than what you would have spent...
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Standard rate is 33%. Here is what I'd ask myself. If you can negotiate the attorney down on the contingency fee, maybe you should be the one negotiating with the insurance company too.
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