Yes, pay you as close to zero, as possible. Always ask for 3 times the amount when filing an insurance claim . Typical initial pain and suffering amount offered will be $1000.00 reguardless of the actual losses unless they are reguarded as severe.
Formula to compute pain and suffering is usually: 1) Property Damage + 2)Bodily Injury + 3)Bodily Injury X 2 or up to 5 depending on permanent physical damage + 4)Lost Wages