Roxy,

The pain and suffering statement is probably one of the most difficult things I've had to do so I genuinely hope your process is simpler.

Here's what I'd suggest - write down your talking points in quantitative terms; how much suffering, what dates, what meds, etc.

then translate that into actual distress; I can no longer participate in my normal activities as I was etc.

Insurance companies are out to NOT pay you for pain and suffering so try to roll with the process otherwise it can be really upsetting. It's definitely a testament to how the system is not set up to be helpful. Also if you don't have a lawyer but do have access to legal aid benefits thru work you might use the benefit and get an idea from a lawyer about how much money you can realistically expect.

Good luck to you and wishing you a speedy (and if not speedy at least insightful!) recovery!