There is NO personal injury action. There appears to be a WC claim. There may also be a contract action but nobody can advise you on that without reviewing the contract. Consult an attorney in NJ first. If the hire was made in NJ, NJ law may apply and it would be far more friendly than FL. Good luck.
Your question is unintelligible and cannot be answered. It is often said that a lawyer who represents himself has a fool for a client. That goes triple for a pro se. If it is important enough to litigate, hire an attorney.
You have apparently already settled your claim with the at-fault driver. If you were injured, you should hire a personal injury attorney to pursue an underinsurance claim, provided you had more than minimum coverage.
You should have settled the property damage separately.
The $20,000.00 was for your claim. No 2009 Accord is worth $20,000.00.
Learn it now. When you get a ticket, the ONLY thing to do is contact a traffic attorney. NEVER pay a ticket. Sure it is easy - until your license is revoked. I must echo my colleagues sentiments that you need to be more careful. 3 tickets and an accident at 16 will make you all but uninsurable. Be careful and always consult a traffic attorney BEFORE you pay ANY ticket.
Write a letter and send it certified mail, return receipt requested AND First Class, memorializing that you have plead with them to keep their children from trespassing to tease your dogs for their own safety.
Also contact your home owner's insurance for direction.
1. You are WRONG.
2. If your attorney files a Motion for Hearing in an undisputed case, the adjustor will assign counsel and you will have guaranteed yourself SEVERAL extra months because the defense attorney only gets paid UNTIL the case settles. HE has less than NO incentive to settle. You may even buy into depositions which could cost you thousands.
3 You hired an attorney and you will be paying him/her a fee. Why not seek their advice, including WHY they recommend the course they do?