State Farm Stalemate

So I was rearended at low speeds two weeks apart. I have state farm and so do the other two drivers. I do have kyphosis which makes me more susceptible to these low energy accidents than the average person.

There wasn't to much damage to my vehicles due to the speed.

I got a bulging disc form the 1st accident and the 2nd accident aggravated it.

We are on claim #1 and state farm has said they will not offer more than $46,500/$50,000.

I have to have a spinal ablation every 6 months for the rest of my life. If I live to 75 thats 150 ablation at $9,000 each before insurance and $1,800 after insurance.

Do you know of any terms or classifications we could use to get them to the policy limit or a way in general to get them to the policy limit?

I need to go after UIM and without the full policy limit we will have to go to court.