Personal Injury Law
Personal Injury Law Questions? Ask Personal Injury Lawyers.
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If you aren't being properly compensated, then your recourse is to file a lawsuit against the person who hit you (note: the lawsuit is not filed against her insurance company since the insurance company didn't cause the accident ... it's filed against the person who caused the accident). The person who hit you will be defended by her insurance company, and will indemnify her up to the amount of her policy.
Since you have medical bills as well as a totaled car, my suggestion is to make an appointment on Monday with a local personal injury attorney. He/she will likely be able to get all of your bills paid, and then some, without the need of actually filing a lawsuit. The threat alone from an attorney will likely cause the insurance company to settle. Typically, however, you will need to pay roughly 33% of any payment to the attorney. But quite often, the remaining 66% is still higher than what you would have gotten on your own without an attorney.
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