1- verbal cases are inherently more difficult than non verbal cases. Depends on many things, most importantly the nature and results of diagnostic testing.
2- depends on many factors. NJM often takes the position in verbal cases that they go to trial. Jury will decide if you are entitled to compensation and how much. They do settle but depends on each case. Our firm handles verbal cases vs njm. Many firms will not even take a verbal case.
You should consult with a lawyer immediately. There are time requirements to bring a lawsuit. However, since the manufacturer apparently is being investigated the time requirements may be relaxed. In general, a person may bring a lawsuit on for defective airbags/seatbelt. It would be the deceased person's estate. Use Avvo's find a lawyer feature for wrongful death and call a attorney.
Often after you are at MMI your temp will stop and your employer may or may not have to hold your job. Many times the second opinion doctor is used as an exam to cut off your treatment so beware. Many times also an attorney will need to file a Motion in Court to obtain benefits for you. 856-577-9138 denninlegal.com
Tell your doctor everything that is bothering you. He may refer you to a specialist if need be. Be careful in speaking with your insurance carrier and as noted by others retain a attorney. Often these are contingent fee cases so you likely will not need to pay out of pocket for counsel.
State temporary disab and ssd are different. You can apply for ssd if you have a condition that is expected to keep you out of work for 12 mos or longer. You cannot get stdb if you are on workers' compensation. You may be eligible for workers' compensation permanency benefits and you should seek counsel for any additional questions.
You may want to contact your ins co and discuss this with them. Often if you had ins coverage your coverage would pay the claim. That is why you have insurance. However sometimes if you do not have any ins or enough jns you could be responsible.
If you believe the injury is caused by the job then you need to report it to your employer. You may have a occupational claim. Employers frequently deny these injuries as being related to work. You will need medical and other evidence. It is best I find in these cases to get legal advice early on so you are protected.