The other counsel are exactly right--you are entitled to be put in the position you were immediately before the wreck occurred. If you are unable to achieve this on your own, an experienced automobile injury/property damamge lawyer may be able to help.
I agree with the attorney remarks above. I suggest you not even discuss settlement with the insurance company until you consult with an experienced personal injury attorney who has been through this process.
My firm and most others give a free initial consultation.
I truly wish you the best.
I am sorry for your distressing situation. Without knowing more about your specific situation, I cannot advise you specifically, but I suggest you contact an experienced local Georgia attorney and allow he/she to review the documentation of your case.
You should obtain needed medical care and treatment immediately and follow your doctor's advice. Do not give any statement to the adverse party or insurance company nor grant them access to your medical records. Photograph your injuries and the damage done to any property. Contact a personal injury attorney in your area as soon as possible so that you can protect your rights. You may also find it helpful to review the Legal Guides I have published on Avvo.com dealing with many of the issues you...
I practice exclusively Personal Injury Law in Georgia and I will tell you the insurance companies can 'say' whatever they wish, but you have 2 years in most instances to file an Injury claim. Artifical insurance company deadlines mean absolutly nothing and there is no such thing as a 15 days rule.
I will say that is almost every instance, insurance companies will try and take advantage of injured plaintiff's that are not represented by experienced attorneys.
I am happy to discuss this...