Car Accident Settlement Questions?

I was in a car accident tore my acl, mcl, meniscus the dr rated me at a 3% whole body impairment. I have 40,000 in medical bills. THe car at fault had policy limits of 25,000 the car I was riding in has under insured motorist coverage. What should I expect for a settlement offer? I was thinking 150,000 as med bills x3 would be 120,000 minus the 25,000 from other policy and 5k med pay paid out brings me back down to 90,000 and 60,000 for pain and suffering lost wages and the whole body impairment? 22 yr old female in the service industry. Any help would be appreciated