The file is owned by you, so yes, in theory, you have that right. However, you simply should hire a lawyer with experience, who cares about a client- not a cheeseburger factory like you see every 5 minutes on your television. We are happy to assist you with it. Check is out at www.knowthelawyer.com.
Contact a lawyer. The question is whether the boat owner and/or those under his control and/or dockmaster acted with proper care. The facts sound like negligence. Given the nature of the injuries, it is a fairly serous case.
Essentially, insurance carriers try to negotiate every dollar they can, because every $100 means millions in the end to the Board of Directors. Attorneys matter. They change their gameplan when a lawyer is involved. It seems like your injuries are more serious....
I hope a prompt police report was made. Justice begins with the search to find out who did this. The problem is- this crime too often pays as the crooks get away unless a witness or surveillance camera caught who did it.
The second stage is UM insurance. If he didn't have it, there could be other sources in his household. A lawyer can help identify those sources.
Absent any ability to find and recover auto insurance benefits, there may be options such as disability to help.
The value of every claim is chiefly based on what injuries you have. To have a claim worth more than $100,000, you'd need substantial medical bills, a permanent injury, and/or surgery. It is likely that is policy limits. In the case of a drunk driving wreck and serious injuries, you could exceed policy limits AND get punitive damages, but that is based on ability to pay of the drunk driver. Unless it is someone made of money or a company, people rarely have enough assets that an excess...
An unrepresented person can make a claim but the legal hurdles, manipulation by the negligent party and further attempts to save themselves money all are pitfalls. Get a free consultation with a local attorney before you all do anything.
Colossus is designed to reduce your medical bills to some lowest common denominator that is not fair value. Further, most people find real permanent injuries turn great lives into good ones and good lives into tough ones. Pain and suffering, sacrifice and the like aren't accounted for by any computer or cynical adjuster.
I know you want to handle it yourself, but in this day and age, it's foolish. Lawyers get higher settlements and negotiate bills lower. And the sooner you are protected and...
You need to look to the at fault driver's insurance, the owner of the car's insurance, if he was working, his/her employer's insurance and possibly a few other possible sources.
Did you / your family / anyone he live with have uninsured or underinsured insurance? That might be a resource?
If the insurance company does not promptly hand over the insurance, they may be exposed to more than the $25,000.
Lawyers can also severely negotiate down the bills in cases like this.
Serious trouble. He should be ashamed of himself. Tell him- don't be that guy. Imagine waking up, working hard to have something nice and finding out someone damaged it without even remotely owning up to what they did.
At this point, I'm sure the police are probably looking for whatever they can to ID the car.