Structured Settlement Insurance

I was in an automobile accident in November 2006 which I was not at fault.I was hit head on by a driver running a stop sign.The next day I went to the Emergency room for shoulder pain.It was believed that I had whiplash and the pain would go away.The pain did not go away and about 2 weeks later I went back to the ER for a followup and I had Xrays done.After the Xrays an MRI was scheduled and the radiologist found that I had swollen bone marrow in my shoulder from the accident and osteoarthritis had quickly set in.Besides pain and pressure of my shoulder feeling like it was going to fall off, everytime I moved it grinded and was popping.I was sent to a bone/joint specialist and they recommended to excercise it by lifting weights to ease the pain. I went back 6 weeks later (today) for a followup and the pain has stopped but the popping/grinding has not.I will have the arthritis for the rest of my life.The insurance company wants to settle and I dont know a monetary $ value to tell them.
First of all the osteoarthritis WAS from the accident and I have proof from the radiologist that it was caused from “tramatic injury” aka the accident. I am only 22 I had no previous injuries or problems out of my shoulder. I even asked if it could have set in that fast after an accident and the radiologist and the specialist both agreed that it could even at my age. I just wanted an idea of a fair amount to ask for given my condition. I am not out looking for a get rich quick scam or anything.