In Idaho there are a few things an injured person can do to increase their settlement leverage against an insurance company. You do not need an attorney to set up your claim, you just need to follow the steps below.
First, if you want to be able to maximize the value of your claim, you need to document, document, document. When you are done doing that, take some notes and pictures. Seriously, document the scene, your injuries, your conversations, and your recovery.
If you have to miss work, get a doctors note!!! Most insurance companies require this to consider repayment for missed work.
Keep treating and following your care provider's recommendations until you are fully recovered. If you cannot follow the recommendations, document why and seek accommodations that work for you.
You are done treating and you documented you claims well, what now?
In Idaho, you should send your medical records and other supporting documents accompanied by a written "demand" letter to the other driver(s) insurance. Ask for $35,000 and give them sixty days to respond.
Remember before accepting any offer that you have obligations of subrogation and repayment. After considering all of that information if you are comfortable you have covered everything and are satisfied, the matter is ripe to settle.
If you are not satisfied, you are now in a position to contact an attorney and explain you have fully prepared the case. Most attorneys will only charge you a fee on the amount in which the attorney increased your settlement.