It's always tougher to deal with an insurance carrier when there is a delay in treatment. The most important issue is your health. Find out what's wrong and get treated. I think it's time for you to get an attorney on board! It will be the best way to obtain a full recovery.
Check Kelly's Blue Book on line to see the current value of your vehicle. Certain extras......leather interior, sun roof, etc. often increase the value. Unfortunately, a vehicle depreciates as soon as you drive it off the dealer's lot. You can settle your property damage claim without settling your claim for personal injuries. The value of your PI claim depends on how serious your injuries are.....broken bones vs. soft tissue injuries. Did you go to the ER immediately following the accident? Do...
If you were on the phone and this is documented in the police report, by any witnesses to the accident, or via a conversation you had with the driver of the other vehicle, your insurance carrier will likely want to settle the claim prior to litigation. I am assuming that a lawsuit has not been filed by the plaintiff at this juncture. If the claim can't be settled, your carrier should pick up the costs associated with your defense. Hope this proves helpful.
It's clear your daughter was traumatized by the collision. She needs to see a psychologist to document her anxiety and mental anguish.The amount of medical bills does not indicate that she suffered a major physical injury. You can expect a relatively small offer from the defendant's insurance carrier at this juncture. The choice is obviously yours. You can wait and see what the carrier is willing to offer. I suggest you talk to an attorney to help you maximize your daughter's recovery.
You should hire an attorney. He may be able to send a letter to the other driver explaining that his failure to cooperate with his carrier will leave him with no coverage resulting in him being personally responsible. This guy needs to be pushed into doing the right thing!
I assume you also reported these incidents directly to the daycare center. Was the same employee involved in both events? Does your son seem traumatized by these actions? If so, you may want to set up an appointment with a child psychologist to document this. Did the other incidents you have written down involve offensive touching or physical abuse? Have you pulled your kids out or are they still attending the same daycare facility? Any witnesses ? Do you know of other parents whose children...
Here you go. See if you can get the medical bills reduced. Try for a 50% discount. Try to get a few thousand more from the insurance carrier. If you are successful, settle the case. If not hire a lawyer.
I assume you were provided with a handbook or written guidelines that deal with absences from work and how to file a grievance. Are you a member of a teacher's union? Check available resources and contact a lawyer in your area. Hope this helps.
Do you have the names of anyone who saw you fall? Need confirmation that the carpet was torn. Photos would be great if you have them. As previously indicated you will need to show prior notice of the problem. By the way you were treated by the hotel staff, I would recommend hiring an attorney.