Yes, your primary claim is against the liability insurance for the driver of the vehicle that caused the crash. Be sure to put your own car insurance company on notice immediately because you may need the uninsured motorist coverage to protect your daughter if the other bus passengers use up the available liability coverage.
If you had collision coverage and did not report the accident, depending on the length of time since the crash, your car insurance will likely refuse to pay the claim. Look at the notice requirements in the contract. That was a bad mistake unfortunately. As far as the repossession, if there are other debt issues, you may want to look into bankruptcy. Sorry, that is just a bad set of facts.
It wouldn't hurt to drop by your family doctor just in case. That will buy you 2 weeks to see what happens. If it's not getting better after ten days go ahead and make an appointment with an orthopedist. The reality is most insurers will fight paying anything more than an initial visit on a no visible damage case. Tread carefully and assume subsequent care after the initial visit will be on your nickel
Juries award and insurance companies pay for real injuries. Car accidents are not about money, they are about getting fairly compensated. Chiropractic cases are not thought of very seriously in the industry, especially if the damage to the vehicles was not bad. If you have a real injury, get to a real medical doctor before it's too late. As far as lost wages go, an insurance company is not likely to listen to a chiropractor who says you cannot work; a real MD is a different story.
If there is no other coverage, then you need to ask the lawyer what the point of retaining them is. The lawyer can bring value to a case in two ways. One way is to find other sources of insurance coverage. The other way is to make sure that most of the money stays with the customer through negotiation eat it with the health insurer or with the medical provider.
If your lawyer does not have a good strategy and cannot make a solid estimate of what you will get to keep, then do not hire a...
Usually no unless the case has a major liability problem and further care will only take money away from you. For example, if the care is being paid by health insurance, you may want to cut off the amount they are seeking in reimbursement. Best path is to meet with the lawyer in person and make sure you understand the training thoroughly. It you don't agree, say so.
If you really have pharmacy costs totaling $10,000, this is not a do it yourself kind of case. Take a few free consultations and see if a lawyer make sense. That said, the gross number is what the at fault insurer is responsible for under the law. If you are unrepresented, I doubt they will take you seriously unfortunately.
The outside loan is not a limit on your options at all. You said it's been 3 weeks since they filed suit and the insurance co. has not answered yet. Do you mean 3 weeks since a demand went to them? Bad faith is a complicated concept so it would take more facts to explore that.
If they really did file suit three weeks ago, the answer is due 30 days after the lawsuit papers are handed to the defendant driver. The bottom line is that it is easy to change lawyers until an offer comes in on the...