I cannot see a reason why you could not pursue all of the options you mention at the same time.
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Your friend is currently required to carry Personal Injury Protection (PIP) insurance for $10,000 by statute. You did not indicate the accident date but there was a small period of time where PIP was not required. The PIP would pay for your friend to obtain medical care. As for liability, bodily injury (BI) coverage would protect your friend if the other driver sues her. Your friend can certainly mount a defense as to who caused the accident and could counter sue for her damages as well.
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The short answer is yes. However, you can object to the request and have the Judge decide the issue. In my experience the Judge will allow the request if a claim has been made for lost wages.
In order to calculate how much your IR is worth I would need to know your compensation rate. How much the carrier offers to settle the case is based upon several factors including your Average weekly wage, how many weeks of TTD/TPD have been paid, the amount of the anticipated cost for future medical bills and several other factors. Please call our office if you want to discuss the specifics of your case at 850-434-5395.
I agree that the best course of action is for you to first contact your insurance company. The insurance company will assign an adjuster to your claim and if necessary an attorney to help defend you.
I would need a lot of additional information to fully answer the question such as the amount of her doctor bills etc. However, the value of the claim depends on past and future medical bills, lost wages from missed work (if any), and pain and suffering.
Typically, the statute of limitations is two years for medical malpractice in Florida. However, there are exceptions that may apply to your case and you should consult with an attorney to see if the exceptions apply to your case.
I would have to have much more specific information and represent you to give you legal advice on the value of your claim. However, the amount of your past medical bills,the estimate of your future medical bills, your lost wages, your estimated future wage loss, and pain and suffering all must be considered in coming to a fair amount for the accident.
The State of Florida Constitution affords protection from creditors regsrding your home. Generally, qualified retirement accounts are also exempt from creditors.
You can dispute the fact that it has been placed on your credit report with one or all of the three credit agencies. The credit agency will investigate the dispute to confirm that the credit reporting is accurate. The cell phone companies may not have any contracts or other evidence regarding you and then your credit rating may be restored.