I was involved in an MVA and the other person was at fault.

I was involved in an MVA and the other person was at fault. I have severe whiplash and during an MRI it was found that I already had an existing problem with my cervical vertebrae (bone spurs, and degenerative discs) I never had any symptoms until the accident. I have exhausted my PIP of 10,000 and my health insurance company is now paying medical bills --I have been in PT for 2 months and just underwent an epidural procedure with cortisone. I expect another month or two of treatment. I do not want to use an attorney if I do not have to for settlement with the other insurer. How much is my claim worth? What should I start asking for? I did not miss work --only because I could not --did not have any available time off --so I HAD to work and endure all the pain and my employer had to purchase a special headset so I could still answer phones.