re: Accident with a car with no headlights - whose at fault?

My car is 2015 Passat - Wolfsburg Edition with 35000 miles. Most of the prices I'm seeing for similar models at dealerships puts it's value at somewhere around 13-15k. That's before tax, title, and license. The extent of my medical issues is a small burn on one arm from the airbag and a cut on the other arm from the airbag. Neither of which I'm planning on seeing a doctor for or claiming, as they are nothing injuries.

Short of being lowballed on the settlement by 4-5k by my insurance company and not being able to negotiate out of it, I feel like it would be difficult for me to do anything but break even were I to hire a lawyer off the bat. Assuming costs for highering one would be at least a couple grand. Do you think it would be feasible to get one for less? Or that it's likely that what I'm offered is less then the value of the car, to the extent that a lawyer is cost effective?