Legal Question in Personal Injury in Virginia

Settlement amount for auto accident involving an unborn baby & mother

I was in a car accident in 2/02 where the other party was at fault. I was 6 months pregnant and sustained injuries from the seat belt to the fetus. I spent 24 hours in the hospital with early labor contractions and the doctors thought that the placenta had separated, in which case nothing could be done to save the baby. I was released after 24 hours and told if there was any bloody show that I should come right back. Fortunately, nothing happened except experiencing additional contractions for the remainder of the week with a lot of nausea. The hard contractions subsided and the healthy baby was born only a week early. My question is: with about $2500 in doctors/hospital bills the insurance company has offered $7000 to settle the claim. I really don't have any other claims--I was a student and missed about a week worth of classes--so I'm just trying to identify what pain & suffering is worth for myself and for the infant. I was a mental/physical wreck with the thought that the baby was going to be aborted or have some permanent injury, however she's perfect. I read that insurance company's base their offer on the medical bills and multiply by some factor.

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