I was in a car accident where a driver (not the vehicle owner) ran a red light and hit my car on my side in the intersection. I do not have collision in my insurance coverage, so I have to go through the vehicle's insurance. They deemed my car a total loss and has offered me an extremely low settlement. After researching on my own (book value and other similar cars) I have found my vehicle's value is much more than they are offering. I feel the insurance company is trying to take advantage of this situation since I was not injured and have no representation. I have some understanding of my rights, but I still would like a better understanding of what is fair for me to recieve. Is there a way to recieve advice without going to a personal injury lawyer? I just need help for fair settlement.