I am very familiar with the place where you were injured.
1. You signed a waiver before Shotgun Eddy would accept payment; AND
2. There is a sign that warns against "jumping or diving off cliff."
You did a really foolish thing. People do jump off that cliff all the time, without incident. If you are off a few inches, you hit a granite shelf (which you did). Nobody was negligent except you. It is NOT possible for you to recover.
I would urge you to discuss the matter further with an experienced personal injury attorney ASAP. As long as you had insurance, this would be covered under your uninsured motorist coverage.
Most important is who made the diagnosis and what care you have sought. The symptoms you describe are usually secondary to long-term nerve impingement in your lumbar and cervical spine. These injuries need to be diagnosed by an orthopaedic doctor. An attorney can guide you through the process....
1. Please consult a WC attorney because you have a solid WC claim.
2. Nobody here can value your claim or anyone else's without reviewing medical records.
3. If the other people have an attorney and you do not, you have your answer.
If you have a prior conviction for any crime of dishonesty (e.g. Writing a bad check) or ANY felony conviction, that conviction can and will be introduced in any court proceeding and possibly any deposition because it attacks your character as a truthful person.
You have no idea what you are up against. Whether your injury is minor or very severe, trucks carry multimillion dollar policies and rarely allow accidents to be handled by an adjuster without a local law firm getting involved. All...
Mr. Hoffman gave you excellent advice which I second. If all of the policies noted in Mr. Hoffman's answer have the same coverage, the answer to your question is your son's group health insurance. If your son did not have health insurance and did not qualify for Medicaid, he is personally liable for all medical bills.
If "bodily injury" coverage is truly exhausted, there can be no settlement because the driver MUST have already tendered his policy limits. I cannot reinforce too strongly...
A proposal (we call it a demand) can be drawn in 15 minutes. Wage differentials are VERY rarely negotiated quickly. Several months is not unreasonable. That said, the process cannot begin until the demand is sent. I never share demands with clients because it raises expectations to an unreasonable level.
1. NO payment is ever made before settlement, even if the driver admits fault
2. The ONLY way you recover more than nuisance value here is if the ER took an MRI of your back or neck which disclosed a disc injury.
3. ALWAYS see an attorney as the first person you consult after your doctor when you are in an accident.