My wife was hit by another car about a year ago. She broke two fingers quite badly. She had 2 surgeries, temporary pins, and a year of physical therapy. Now the insurance company is ready to settle.

We added up all of her medical bills and found them to be about $40k. They paid $20k to the appropriate places, and another $20k to our personal insurance. Also, about half of the bills were for physical therapy; the other half was surgeries, ER visit, doctors' bills, etc.

How much of an insurance settlement should she expect to get *on top of* the coverage for the medical bills?

Details:
It was the ring finger and pinky on her non-dominant hand. She'll have permanently restricted movement in half of that hand. There's also some scarring and permanent (pretty mild) swelling. However, she's 24 and still in school, so there was no loss in income; and it shouldn't affect her ability to do any work in her field. She does have trouble doing things like wielding a knife and fork, though
Additional Details
I'm talking pain and suffering money, and we haven't settled yet -- we're just going to be settling soon.

I'm not looking to get rich and milk these guys for all they're worth or anything, I just want my wife to get fair compensation.