You have a valid claim. Whether hiring a lawyer makes sense, only time will tell. If you have health insurance and access to medical care, you can hold off on hiring a lawyer until you know that the case is complicated enough to need a lawyers help. For simple matters where you heal up soon, the lawyer costs more in fees then they generate. A cost benefit analysis can be found on my website.
As to the question of whether they were on the phone, Georgia has ruled that texting and driving is...
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"
The answer is possibly yes. As far s the statute of limitations, it did not start running until the other driver pled guilty or otherwise resolved the criminal charge. If you are inside 2 years from the date of the plea then the statute is not a bar. Beneke v. Parker, 285 Ga. 733, 684 SE 2d 243 (2009). The tolling statute says;
O.C.G.A. § 9-3-99
The running of the period of limitations with respect to any cause of action in tort that may be brought by the victim of an alleged crime which...
If you don't control what he does with the car, you likely have no exposure either under family purpose doctrine or for negligent entrustment. See my article below for more details.
It's sounds like the hit and run driver was not located and you were a passenger in someone's car? If that is accurate then, yes the medpay on the car you are in will pay some bills but the personal injury claim has to be against your own uninsured motorist insurance. No choice on that unfortunately.
If there is not going to be any other care, then you are in a tweener zone. There is nothing wrong with sending your own demand letter to the insurer and seeing what happens. If the results are lousy or you are having trouble negotiating the bills down, then go meet with a lawyer. It never hurts to give it a try, just do not sign a medical authorization for the insurer as they will dig into your past and conjure problems where non exist. See the link below for more information.