Nope, but that's what they do. Welcome to the insurance world. Hire a PI atty and let them deal with the insurance company.
Daniel D. Horowitz, III* Partner
Abraham, Watkins, Nichols,
Sorrels, Agosto & Friend
800 Commerce Street
Houston, Texas 77002
*Board Certified in Personal Injury Trial Law by the Texas Board of Legal Specialization.
You should file a claim on your own insurance just to hopefully make your situation less painful, but please also contact TexasWatch. The at fault driver likely purchased a junk policy and didn't even realize it.
I'm sorry to hear about you situation, yet I'm glad to hear the insurance company has at least paid some of your medical treatment. You are in a very difficult place. Your claim is considered a "health care liability claim" or "medical malpractice claim" which are the most difficult claims to file in Texas in my opinion. There are so many "traps" and different rules you must follow before you can sue a dentist. For example, you must have another dentist prepare an "expert report" and serve...
That's a very tough if not impossible question to answer. Each client and case is different. If you aren't happy with the demand, meet with your attorney. The disciplinary rules don't allow an attorney to settle your case without your permission.
You can try on your own but expect the insurance company to offer you about $4,000.00. In Austin there are several very good attorneys. I would recommend Henry Moore or Len Gabbay for automobile cases.