<human>: Can you provide a brief rundown of the text in within 3 sentences?

Hi r/legaladvice, 

My wife was in a fender bender coming out of a parking lot. Long story short, she calls her doctor not thinking it was a big deal - the doctor says it is and insists she goes to the hospital. The at fault person's insurance (Hartford) tells my wife that this is ludicrous and states that my wife should not go. My wife proceeds to follow her doctor's advice and has to go to the hospital 5 times in the next week until the baby is born.  Baby was born at term but 2 weeks before the due date. 

The insurance company has really been bullying my wife into signing a release. My wife verbally agreed to $700 and the entire medical bills for the accident. They sent us a letter today that states that they will pay ~$6,000 in medical bills and $700 to my wife for full release. Since they did not state what medical bills they were paying, my wife called to ask to transfer further negotiations on the account to me (because she no longer wanted/could deal with it). They said that she already agreed and that to talk to me she would have to give them a written letter stating as much. Now we have the bills they are agreeing to pay being sent to us. 

My questions are:

1) Is $700 reasonable given the stress my wife went through and the worry she had for the safety of the baby. Also, is it reasonable including the release of liability for any possible damage done to my 4 month old son that we will find out later?

2) Can I negotiate further on my wife's behalf? If so, do I need to send them something in writing (Arizona State). 

3) They are refusing to pay the doctors until the get full release. Is this normal?

4) What happens if I want to wait to see if there is something wrong with my son? Do I have to pay the doctors myself then sue them later?

Any help would be great. We talked to a lawyer who would not take the case because the accident was fairly minor. The insurance company just paid to have the cosmetic plastic bumper replaced.
<bot>: When should I sign a release? Is it normal for insurance companies to not pay doctors until they are fully released from liability?