Fair settlement demand for auto accident

On June 9, 2010 I was stopped at a red fire station light. I watched the fire truck start to exit it's driveway when it stopped and laid into his horn. I looked into my rear-view mirror to see what he was honking at and then bam I was rear ended. I had been stopped for about 10 seconds before I was hit. The speed limit on that road is 45mph and the firemen who were witnesses said she came flying down the hill. She was cited for inattentive driving and only had an intermediate license. My car was totaled and so was hers. I took myself to the er 2 hours later as the pain started to seriously increase. I was diagnosed with neck sprain and back sprain. 2 days later I returned to the er after trying to help carry in groceries and heard a pop in my back followed by a stabbing pain. The diagnosis was Myofascial strain lumbar. A day later I returned to the er with a severe headache, making me nauseous and dizzy. The diagnosis was tension headache. I followed up with a clinic and they prescribed me chiropractic therapy. I received chiropractic therapy every day for 3 weeks. Then 3 times a week for another 3 weeks and since then have been going for two times a week. Following the accident the doctor gave me a release from work for 3 weeks. Her insurance company has sent me a letter accepting fault. At this point the pain in my neck is gone and the pain in my lower back comes only when I put my body under load (standing for long periods or doing moderate to hard work). I have been a cement mason for the last ten years and I don't feel that I can do continue doing that type of work unless I'm willing to do it in pain. So I've enrolled in school and start next month for automotive technology. I have gotten all paperwork (bills, er discharge, police report and all that would be needed) just in case I seek an attorney. I am sure that her insurance company will low-ball, but would just like an idea on what a fair counter demand would be for my settlement. I have suffered mental anguish over many aspects and have documented them all. From not being able to interact normally with my 2 year old son to depression from financial worries for being out of work during the 3 weeks to what will I do if I can't do concrete anymore (it's all I know). I'm not some greedy dude but feel I do deserve something as this accident HAS affected my life in many ways. My medical bills are close to $10,000. Sorry I wrote too much, just wanted to give a info so that whoever responds can respond more accurately. Thank you for your time. Brandon