Speak to a Chicago personal injury attorney immediately. Almost all of the experienced attorneys listed here on Avvo offer free consultations. There are many factors that go into the value of a case. The only thing that I can tell you for sure with the limited information available is that I doubt the initial offer from the insurance company will be fair. It usually isn't.
You and your mom should consult with a personal injury attorney as soon a possible. Restaurant managers like to make people happy, but most likely they have liability insurance. The decision of whether to pay and how much will not be made by the store manager, and it's not his money or the restaurant's money that will be spent (or not), so any promises made by store managers are generally hollow promises. Get a lawyer.
Steven A Sigmond
There are other factors that an experienced attorney would need to know before attempting to negotiate a fair settlement. What is you wage rate, what sort of diagnosis and treatment did you have, and more. Nothing less than a complete reading of all the medical records allows a good attorney to assess the value of a case. If you haven't done so already, call an experienced workers comp attorney as soon as possible.
Not much of a case, from what you've posted, sorry.
A business owner is not liable for an injury simply because it happens on the business premises. There must be negligence. If your injury was caused by a negligent act or omission on the part of one of the employees or a dangerous condition that the business knew or should have known about, then you might have a case. But from what you've posted, that does not appear to be the case. Also, the fact that you did not report the injury or...
I'm sorry to hear what happened to your family. First, you shouldn't assume that it will be easy to get the $20,000.00 Companies that sell minimum insurance policies can be difficult to get money from. Second, there may be additional insurance coverage available, although it seems remote. An extensive review would be warranted based upon the severity of the injury. Your family needs to consult with an experienced personal injury attorney. I would be happy to discuss this with you further....
You have several potential paths to recovery. First, as an attorney I have learned not to accept the insurance company's first pronouncement on coverage as the last word. That can be challenged. Second, agency and insurance coverage are different issues. Even if there is no coverage, the company may be liable for your injuries. Third, if all else fails you can still make an uninsured motorist claim on your own family vehicle. If you've been hurt badly, do not have an inexpperienced friend...
Just let your insurance company handle it. There is nothing else to be done. I know that's it's upsetting when people act that way, but keep it in perspective: It's just a small dent, and you've paid for insurance in order to be protected in just this type of situation. Let the insurance company handle it.
Steven A. Sigmond
Phone: (312) 756-1186
You should take your son to the ER. If you feel any discomfort within 48 hours, you should take yourself as well. You should also photograph the damage to your car and notify your insurance carrier that this happened. If it turns out that you or your son have been injured, you will be able to make an uninsured motorist claim on your own insurance so long as your insurance is paid up and you have followed these steps.
Steven A. Sigmond
Law Office of Steven A. Sigmond
345 N. Canal #1208...
There may be other coverages available and there may or may not be an additional settlement that comes later. There are many factors involved. There may be underinsured coverage, umbrella coverage, some surgeons (not many) will work on a lien basis... there still may be options for you. You really do need to have a comprehensive private consultation with a personal injury lawyer. Most good injury attorneys will do this for free.
Steven A. Sigmond
Hopefully you have uninsured motorist coverage. If so, you can recover up to the amount of insurance that you have paid for. As to the chances that the uninsured motorist has no assets, obviously there is no way for any of us who answer questions on Avvo to know that.