The amount of payment you receive depend on your policy quotes. It also depends on a number of factors including how much damage is done and who is found to be at fault. How much you pay in medical bills and how much you lose from work pay a factor in payments. If you are self employed you will have a harder time and may have to hire a financial expert to help you. To avoid accusations of fraud, you should seek medical help immediately after accident even if you are feeling allright.