Settled my claim but now I can't stop wondering if I left money on the table

I felt this EXACT same way after my settlement. The adjuster agreed to my counter within like 20 minutes and I spent the next two weeks convinced I'd undersold myself. Honestly I don't think there's a clean answer — you'll never know what their ceiling was. What helped me was reminding myself that "fair" is kind of unknowable in pain and suffering cases. You got something for something that's genuinely hard to put a number on.

Jumping in here because I used to work on the other side of this. Claims have what we called a "reserve" — basically an internal estimate of what the file is worth. If your counter was below that reserve, yes, we'd accept immediately. It kept the file moving and saved the company money. The speed of acceptance almost always means you were under the reserve, not over it. I'm not saying this to make you feel bad — most people settle under reserve because they don't know the reserve exists. It's a real information gap and it's by design.

Not legal advice, but I'll say this: pain and suffering for soft-tissue injuries and anxiety after a crash is genuinely one of the harder things to value, and most people without representation do undervalue it simply because they don't have the data points attorneys use. Once you've signed a release it's almost certainly final, so I wouldn't spend energy trying to reopen it. What I would do before any future claim: at least have a free consult with a PI attorney before you counter anything. Most won't charge unless they recover.

The anxiety piece you mentioned — driving anxiety after a crash is real and it can linger way longer than the physical stuff. If you're still struggling with that, please don't brush it off. Some people benefit from a few sessions with a therapist who works with trauma, and that's a legitimate medical thing, not just "being stressed."

Release is signed, it's done. Spending mental energy on what might have been is only going to hurt you. You came out of a totaled car, got your bills paid, and put cash in your pocket. Bank it, move on, and if you're ever in this situation again — talk to an attorney first, before you counter anything.

I'm really sorry you're feeling this way. The whole insurance process is so confusing and opaque that I think almost everyone second-guesses themselves afterward. You did the best you could with the information you had. That genuinely counts for something.