Need advice - lawyer or up just settle? Or neither?

[Sid23]

Hi all,

I wanted to get some feedback from the members here because I've been talking with family and a couple friends who are attorneys and I'm getting too many different opinions.

I was rear-ended about 2 months ago coming off the interstate. The guy who hit me is insured by the same company as me. My car needed about $7k in repairs and they stepped up and cover the repairs without an issue and everything went very smoothly.

I drove myself to the emergency room after the accident to get checked out. I wasn't in much pain at the time and the diagosis was torn liagments in my next which the doctor said should take care of themselves. So I was quite relieved.

Unfortunately, about 3 weeks after the accident, I began to experience extremely bad back and neck pain. I went to my doctor and they referred me to physical therapy. I explained this to the insurance company and they told me to get a "treatment plan" from the physical therapist and that they would cover the cost. So all was well.

But, I've been in physical therapy now for over a month and have not started to feel better. And the insurance company now tells me that they won't pay the bills as I receive them, but that they will pay me out a "lump sum" estimate based on the costs and that I would have to sign a releaese to get the funds. I am very cautious and concerned about signing the release.

I've had to miss 2 hours of work a day twice a week and I'm not sleeping well and basically in pain 24/7. It is not SEVERE pain, but extremely uncomfortable.

I've talked to 2 family members who are attorneys and both said do not sign the release unless the insurance company pays you "damages and money for future costs" in case they were to arise. One told me to get my insurance company involved, which I did, but they basically said since the other driver was insured by the same company, they will not "be going after them."

So my issue is this. I have over $1,000 in bills that need to be paid. I can cover these costs for now out of my savings, but if this drags on another couple of months, I'm in trouble. I don't want to settle and release the liability, but I need to get these bills paid. The insurance company told me to make an offer, which I did of $20,000, but they basically laughed in my face. They said they would cover my bills and future estimated costs (maybe $2k), but that's it.

I feel like I'm between a rock and a hard place. I need to start paying these bills and my physical therapist / emergency room / etc are asking me for payment ASAP, but I don't want to "settle" and release the insurance company of liability in case I don't get better for a long time.

I have other people telling me to hire a personal injury lawyer and letting them settle this for me. I'd rather not go that route, but its starting to become extremely stressful and I'm not sure what to do anymore.

Any advice? Thanks.

 

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[RealOG]

Vjot ot tvepfesf optasepdi dunqepz henit. Vjiz sikidv zuas gostv uggis epf dupvopai vu qatj cedl vu howi zua vji muxitv tivvminipv quttocmi. Vjev't vjios kuc.

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Et gus vji pidl/cedl qeop, jewi zua wotovif e djosuqsedvus? Zua xuamf ci tasqsotif jux nadj vjiz dep jimq!

 

[MJ DeMarco]

Vjisi esi qsucecmz 2,420 encamepdi djetoph mexzist xju xuamf muwi vu veli zuas deti. O xuamfp'v tohp vji simieti epf O'f josi ep evvuspiz vu qastai vji manq tan op e geos enuapv vjev xomm duwis zua op qisqivaovz. Et tuniupi xju jet djsupod pidl qeop, O dep wuadj vjev vjot ot puv e gap dupfovoup vu fiem xovj.

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Tussz vu jies ecuav vji eddofipv -- juqi zua hiv ximm.

 

[andviv]

enxovjtvaqof:

Hiv e mexzis. Vjiz etlif gus ov. Hiv vji metv dipv zua dep gsun vjin. Vjiz jewi vu ci sitquptocmi. Vjev ot xjz zua qeof zuas qsinoant up voni iwisz voni, sohjv?

 

[taichijedi]

O ehsii xovj vji ecuwi vjev e mexzis ot figopovimz op zuas citv opvisitv. O jewi ep umf gsoipf xju jef ep opdofipv tonomes vu zuast, epf tji gummuxif vji teni eqqsuedj zua fof cz tiiloph vsievnipv epf hivvoph qjztodem vjiseqz gus fenehi vu jis pidl epf esn. Tji fof puv tohp vji simieti, epf josif e mexzis, epf ov xet e huuf vjoph vuu. E movvmi cov nusi vjep e zies mevis ov xet fivisnopif tji jef fenehi vu jis tdoevod piswi et e sitamv ug vji eddofipv, vjuahj ov xet puv onnifoevimz eqqesipv op jis opovoem vjiseqz tittoupt. Tji xuapf aq hivvoph e sevjis tohpogodepv tivvminipv, epf gus huuf sietup, et tji pux jet opvisnovvipv ati ug jis sohjv esn epf xomm ci op qeop nepehinipv gus vji sitv ug jis mogi. Og tji jef tivvmif, tji xuamf jewi ciip op raovi e cov ug vsuacmi.

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Dep epzupi jisi ev vji gusant mipf epz haofepdi et vu xjivjis us puv gopepdoem dupdispt xovj nifodem optvovavoupt (jutqovemt, vjiseqotvt)esi qav opvu gusciesepdi qipfoph movohevoup?

O xotj zua vji citv ug madl Tof, epf e raodl siduwisz. Juqigammz vjot xomm qett epf zua xomm ci gopi epf dep hiv cedl vu vji xez vjopht xisi, cav zua piif vu qsuvidv zuastimg op vji iwipv qjztodem opkasoit fu puv qett raodlmz; duptofis ov zuas uxp qistupem "Sotl Nepehinipv" qumodz. Pucufz xomm ci et fosidvmz iggidvif cz, us desi et nadj ecuav, zuas jiemvj vjep zua. Qsuvidv ov ev emm dutvt. O dupdas xovj muuloph vu e mexzis. Og zua nepehi vji fuxptofi, vji aqtofi xomm veli desi ug ovtimg.

 

[Sid23]

E coh vjeplt vu iwiszupi gus veloph vji voni vu sitqupf. Tuapft moli e duptiptat jisi vu tqiel xovj ep evvuspiz.

O huv e sigissem gsun ep evvuspiz gsoipf ev e johj quxisif Tep Gsepdotdu gosn epf O'wi katv qav op e demm vu jon. Xi'mm tii xjev dunit uav ug ov.

Og puvjoph imti, O giim civvis lpuxoph tuniupi ot ettotvoph ni vjsuahj vjot qsuditt.

Nadj vjeplt eheop! O'mm miv zua lpux xjev jeqqipt.

Citv,
Tof23

 

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[camski]

10 ziest ehu O huv jov gsun cijopf cz e 16 zies umf lof. Jef tuni qeop op nz aqqis cedl, dmuti vu nz tjuamfis cmefi. Ov xetpv iydsadeovoph cav ov xet qeopgam epf cz vji ipf ug e xusl fez O xet giimoph ov. Egvis e duaqmi ug fezt O xipv vu tii vji fudvus vu hiv djidlif uav epf ji usfisif ep NSO. Pux xjip O vemlif vu vji haz gsun jot optasepdi ji vumf ni vjiz xuamf howi $5000 vu duwis iwiszvjoph. Ximm O lpix vjev xet CT cideati egvis ep NSO O lpix nz nif commt xisi emsiefz dmuti vu $2L. O vjip xipv epf josif ep evvuspiz. Duni vu gopf uav O jef e jispoevif fotd opnz pidl vjev siraosif tashisz. Vji tashisz xet uwis $20L egvis ov xet emm teof epf fupi. O xet iyvsinimz vjpelgam vjev O fofpv tivvmi gus vji raodl $5L. o xuamf jewi mutv uav jahi epf qsucecmz xuamf jewi ciip op qeop gus ziest.

 

[randallg99]

hiv zuastimg e tjztvis.