Although you may not want to pay your deductible, it may be worth it in order to get moving on the repairs of your car. Your own insurance company will go after the insurance company for the driver that hit you and get you reimbursed for your deductible amount. In addition to that, you already said the insurance company for the person that hit you has a bad reputation. I would recommend you go through your own carrier given these facts.
You have 20 days to answer from the date you are served or you can have a default judgment entered against you. If you have insurance, turn the papers over to your carrier right away. If you don't, It would be worth it for you to have a consultation with an attorney immediately.
You should call a local attorney right away. Personal injury attorneys work on a contingency basis, so you pay a percentage of whatever they collect for you, and pay nothing if they don't. I am handling multiple bike accident cases right now, and there are some nuances to these types of claims. I am in your area if you'd like to call me. 9543412777. Good luck.
you can't be sued for not being a hero. However, you might be able to sustain an inadequate security claim against the building you work in or possibly against your employer if they knowingly exposed you to danger. You need to speak to an attorney who handles inadequate security cases to see if you have a claim, but you do not have a claim against the co-worker.
Sounds like you are not doing anything wrong. It sounds like the damages are not high enough to make it worthwhile enough for an attorney to bring a case. Have you contacted the hotel about paying your medical bills?
You may want to consider speaking to an attorney who handles asset protection. It sounds like you do not have much to protect, and an asset protection attorney can give you the correct information. While they do not work on a contingency fee, it would be worth it to pay for an hour of the attorney's time to get some advice concerning your situation for peace of mind.
Why don't you actually call the lawyer? Set up an appointment and he should explain everything to you. After you have tried to contact him in this fashion and he still won't get back to you or you don't like the answers you are provided, you may want to consider getting a different lawyer to represent you. You can switch attorneys if you are unhappy. You will not have to pay 2 lawyer fees. If anything is owed to the old lawyer, it will be settled between the two lawyers.