A fair settlement should cover all of your medical bills, including bills for medical equipment and future care needs. It should cover all of your lost wages. If you've lost the ability to make a living as the result of your accident then it should cover those expenses as well. Finally, it should offer an adequate amount for your pain and suffering. Pain and suffering is the most negotiable of these awards, which is one reason you tend to need a lawyer's help to secure a fair settlement.