You're almost certain to have a smoother experience and a better result with an expert representing you in talks with the insurance company. The insurance company will not take you seriously if you are unrepresented. Call an accident attorney sooner rather than later!
Not necessarily. The insurance company wants to foreclose your ability to bring suit, no matter what. Your best shot at a suitable outcome, whatever the facts, is to retain an attorney and give him/her all the information you have. Most attorneys will talk to you for free, give you your options and only charge you a fee if they recover money for you. If for nothing else, you need to be aware of the statute of limitations in your case.
As my colleagues have said, it is recommended that you hire a car accident attorney who has knowledge and experience dealing with insurance companies. This will help in countless ways, whether it is advice as your husband's treatment progresses, whether to file a lawsuit or evaluation of your case from a settlement standpoint. Best of all, it costs you nothing unless there is a settlement and the attorney's office handles everything and does the talking for you, saving you time and trouble so...
Yes this is standard and commonplace. Without going into too much detail, generally anyone must sign an authorization for release of their medical records. The simplest way to gather the medical evidence for your case is to give a signed release document to your attorney. You can do it yourself, but you'll still have to provide a signed release to the doctor's office.
You will not be bound to the demand letter if you hire an attorney. In fact, an attorney will likely have additional points and arguments to make to make sure your settlement is maximizes. Quite often, hiring an attorney can result in more settlement funds in your pocket even after the attorney takes his fee. The insurance company is just going to try to take advantage of you as long as you are unrepresented. If you don't have a lawyer, they interpret that as an unwillingness to file a lawsuit...
It's not too late. Retain an reputable and aggressive injury attorney who will take your case and help direct you with your claim. No guarantees but there sounds like plenty to be done on your case. Best of luck to you!
Your best best is to hire a workers compensation attorney to represent you. At this point, several things need to be done on your case. You may be entitled to weekly benefits and you should take care to make sure you have access to excellent medical case. The employer and insurance company are likely to try to take advantage of you without an experienced lawyer speaking for you. I've handled many cases like yours and they all seem to turn out similarly bad until the worker hires an attorney.
You may have several options to protect you from the medical bills in this case, and looking into additional insurance coverage could be one of them. Don't try this alone, hire a local accident injury attorney to represent you and you'll likely end up much happier about the outcome and the process. Contact a local attorney today and get a free analysis of your case.
Several attorneys have offered good counsel here. You should talk to the attorney that currently represents you for answers to your questions. From what I gather, you are concerned about how long the case is taking. I know it's tough to handle, but you should be patient. Cases like these can take years to progress. The choice as to whether to settle the case will ultimately be yours. Good luck