Got Hit Head On, They Totaled My Car And I Broke My Sternum

A couple months ago I got in a car accident where I was going straight through the light and the person was turning left and turned out and pretty much totaled my car and they have to use the jaws of life to get me out the car. I had a partial, claps lung and a broken sternum. They were deemed completely at fault. The insurance company already paid for my car, but I had full coverage and personal injury protection. i’m wondering if any anybody has had any a similar situation or knows anything about what a reasonable amount to settle on would be? I just don’t want the insurance company lowballing me and Me just taking it not knowing any better.. or if I need to talk to a lawyer.