I was in a car accident In June , 2012 I was not at fault but I had no insurance . The other party admitted it was there fault . State Farm offered me $ 4 , 000 I didn't take the offer now were going to litigation . Will I get more for my case and will me not having insurance effect my case ? the accident cause me a lot of stress and anxiety when I drive now i cant drive alone . I also suffered a cracked ribbed and a lot of muscle pain . The Total cost for my medical was around $ 10 , 000 . what should I expect when going into litigation ?