Insurance Injury Settlement

My wife was hit by another car about a year ago. She broke two fingers, which sounds trivial, but they were broken quite badly. She had one surgery where pins were inserted to heal the bones, and another to extract scar tissue that was limiting her movement. She was in hand therapy for a year, but she still doesn’t have anything close to full movement in the hand with the broken fingers — sometimes she needs help cutting a piece of chicken at dinner and things like that.

I estimate that the insurance company paid out about $20k for the hand therapy and another $20k for the various surgeries and doctor’s visits.

I assume they’ll be offering a pain and suffering settlement in the near future. How much should we expect? How will we know if they’re lowballing us? If I’m pretty sure they are trying to screw us over, is it acceptable to tell them we’ll get a lawyer if their offer isn’t more reasonable?
Question to reece010: Is that 50k on top of the medical bills (if the medical bills are 40k)? Or does that include the bills?
In response to questions:

1) Is she left or right handed?
Right.

2) Which hand was injured?
The ring and pinky fingers on her left hand. (And movement on the middle finger is also limited.)

3) Does she work outside of the home?
She’s in college and will work outside the home in the future.

4) What is the prognosis for a complete recovery?
Not going to improve further. It may in fact worsen in time.

5) Does she have scarring?
There’s a thin scar running down her ring finger, which was broken the worst.

6) Age?
24.

7) Attractive? (relevant for scarring)
Her hands were fine before, now the fingers are *slightly* mangled, enlarged, and lightly scarred.
Trouble completing her daily activities?
Initially yes, now it’s only occasional tasks like cutting a piece of meat. She’s figured out how to drive and type well enough.

9) Whole or partial AMA disability rating?
I doubt there would be one.