Yes, the insurance for the other driver will cover the medical bills, lost wages and a reasonable amount for pain and suffering. With a concussion, be patient. You want to make sure your head is 100 percent clear with no long term consequences before settling out.
In the meantime, if you have health insurance, run it through that.
Your lawyer is honest and 100 percent correct. There are loan companies available out there but the interest rates are worse than pawn shops. Be very careful and be thankful you have a straight up lawyer working for you. If a lawyer ever offers to loan you money to get your business, you can be sure you will get taken by them in the end. Dishonesty is a habit
You only have two years within which to file the lawsuit itself. So you cannot wait that long. More importantly, it is likely that the insurance carrier will realize that you are filing bankruptcy. Technically the bankruptcy court will own the claim. The bottom line on this is it is a complicated situation involving an interplay between bankruptcy law and personal injury law. This is one that you cannot handle yourself
You are only legally responsible if 1) you knew that your friend had a lengthy history of careless driving (a negligent entrustment claim) and 2) your friend is found liable. Its hard to prove unless your friend has a disastrous driving record. Either way, your insurance will give you and your friend a free lawyer.
Under Georgia law, you must have medical testimony establishing that the crash was more likely than not the cause of the seizure. If this doctor won't do it, then get a second opinion. Without the medical testimony, the claim is not allowed before the jury and therefore will not be paid by the insurance company.
You can sue for whatever amount is appropriate. The correct question is whether there is insurance sufficient to cover the correct amount. Assume your case is worth $250,000. The 100k would pay out and if you have uninsured motorist insurance in excess of the 100k, it would pay next. Beyond that, you would hold a judgment against the driver for the balance, but without assets to pay it, the judgment becomes a nice picture on the wall. The reality is, you should negotiate a drastically reduced...
Case evaluations require a lot more detailed information. If you have a lawyer already, they know the facts much better than any post ever could. If you don't, take advantage of a free in person consultation.
Chiropractic care and an MRI showing herniations is not uncommon. Are you having any radiating numbness? If the answer is yes, get thee to a real doctor. Chiros cannot read an MRI anyway.
The lien cannot be addresses until settlement numbers are know so in a sense you are correct; there are two separate steps. Real issue is with broken ribs, there is notice medical care; it just hurts. Settlement should be about 8 to 10 k on 2500 in medicals. Medicare will have paid about 1500 on 2500 so reimbursement is workable.
This is one where you will definitely need a lawyer. There are a few places to look for coverage:
1) How do you know there really is no insurance? Who did the driver live with? Who owned the vehicle? Was the insurance properly cancelled? Were they driving for an employer.
2) Uninsured motorist coverage whether through you, your resident family members or employer.
This is not a "do it yourselfer"