What to do if I've used up all my PIP and have medical bills in collections?

Question Details: I was rear-ended at a traffic light at 40 plus miles per hour. I suffered post concession syndrome and a severe cervical strain accompanied by daily headaches. I'm currently in physical, vision therapy and speech therapy for cognitive issues. I also see a chiropractor regularly and have not been able to work due to extreme dizziness and fatigue. I can no longer see to drive at night and suffer from irritability causing me to be moody without realizing it. The other driver has been determined to be at fault. However, my PIP is used up and the other insurance company won't pay any medical bills until I settle with them. If I'm still in recovery, how do I know how much to ask for if I could still be in therapy next year or if there may be permanent damage? The accident was 5 months ago and it's as though some days I feel like it just happened. I don't want to short myself.

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