You do NOT need an attorney because your insurance company will assign one, if necessary.
You have no worries. Anyone presenting a claim MUST prove your damages. Your insurance company will assign counsel. You have NOTHING to be concerned about.
Your husband obviously sustained VERY serious injuries if they kept him in the hospital for 17 days. Please consider the following:
1.) Your husband will probably be "offered" money. I have a client now who was offered $3,300.00. We are settling the matter for $65,000.00. Would you rather get all of the $3,300 or only 80% of $65,000.00?
2.) If your husband's ability to earn money was affected by his injuries, he may be entitled to a wage differential - the difference between what...
Your only access to medical care is through your own insurance or Medicare / Medicaid. If you have a serious injury, hire an attorney and consult an orthopedic doctor. Chiropractors make insurance adjusters laugh.
If there is any way to avoid it, do NOT allow any doctor or chiropractor to "hold" your bill as it will significantly reduce your recovery.
Mr. Hoffman is exactly correct. That is why gap insurance is so critical. Anytime you finance a car, it will be worth less than what you owe for a majority of the finance period.
Adding insult to injury, you could not keep the car and fix it without PAYING the insurance company the salvage value. Consider this a lesson learned.
You MUST have a police report. You MUST also know the identity of the driver OR you must have an auto policy so you can make an uninsured motorist claim. If your injuries are so minor, why would you need a month off?
You NEED a Workers' Compensation attorney.
For Illinois Workers' Compensation claims, you will ALWAYS cheat yourself if your do not hire experienced counsel. You will have someone to guide you through the process AND when it is time to settle, an attorney can add value to your case IN EXCESS of his fee. So, you have fewer headaches AND you get more money. It really is a no-brainer.
You can find an experienced Workers' Compensation attorney here on AVVO. Attorneys on AVVO want to...
Workers' Compensation should pay all bills and provide you with income for any time you were not able to work. That said, work-related eye injuries are NOT compensable unless your CORRECTED vision is worse. I your vision is unchanged or can be corrected by stronger glasses, there is no permanency beyond the present cash value of a lifetime supply of eyedrops.
Make any attorney explain what they can do for you BEFORE you hire them. You have not told us whether this is an uninsured motorist claim or whether your wife was at-fault. That will determine whether the medical providers can subrogate. If this is an uninsured motorist claim and the carrier has offered the policy limits, seek a flat fee to create the special needs trust but there is no reason to pay an attorney a 1/3 fee.
I agree with my colleagues. The only thing I would add is that you need to be very careful that you get permission from YOUR insurance company BEFORE you take any money from the at-fault driver so you do not jeopardize your UIM claim.