The first offer is almost never fair. You didn't have much treatment and now have a 7 month gap if you do treat again. So, it is likely a small case; notwithstanding, a decent personal injury attorney should be able to get more than that for you. It is certainly worth a free consult. Good luck!
Pa is a no-fault state. Your own auto instance should cover your medical bills related to the accident. I would contact your auto carrier and set up a claim. Your providers should accept the auto coverage. If you are having issues with that, I'd contact local counsel - specifically someone who specializes in personal injury.
Absolutely contact a personal injury attorney right away. The others above are right. Insurance companies often rush to judgment about a case and make that judgment, conveniently, in their own favor. Your situation needs to be investigated by an attorney firsthand. You may or may not have a claim. But you won't know until you talk to someone who specializes in auto accidents. Find a local attorney if you can. He or she will be better able to navigate your own local court system and the local...
You may or may not have a viable claim. You should contact a personal injury attorney right away. Pennsylvania has some odd rules regarding the condition of the ice and whether or not you can make a claim. I suggest contacting a local attorney, who will be able to meet with you personally, and investigate the accident effectively. Good luck!!!
Yes, you may have a claim. More facts are needed though before a determination can be made. However, keep in mind that Millersville University is a PA State school, so there will be a 6-month notice requirement if you do choose to pursue this. So, you would need to file a specific notice within 6 months of your accident in order to not forfeit your right to sue. Therefore you should consider hiring an attorney right away.
Do you have some kind of agreement with your wife that you are to provide insurance for her? If not, then likely you are under no obligation to provide health insurance for her. I'm sorry about her accident. That is terrible.