Size does not affect rate. Also you should tell the adjuster to pay the policy. Only if the 100 policy is not enough to cover the meds and pain and suffering will you have to worry about a excess claim. But if the claim is worth more than the policy and they don't pay the policy when demanded then you will have a right to make your insurance pay the full judgment amount. But at this point if the meds are 22k and there on futures claimed the 100k policy should cover the claim.
You do have a potential claim against Walmart. The question would be is who the knife belong to? Was it placed there by a Walmart worker or was it placed there by a Walmart patron? Did you file an incident report with Walmart? And the bigger issue would be is what are your total damages, obviously there is the cost of the tetanus shot and the aids test but another question is will the injury created scar? Without a scar the damages in your case may be minimal and the lawsuit more than likely...
You need to hire a good personal injury attorney. Burns are complicated they depend on placement, size, future treatment Ect. If you are unrepresented the insurance company knows you don't know the process or have the ability to file a lawsuit against their driver. You should consult with a PI attorney as soon as possible. You can comment on this response if you have further questions.
It is ethically wrong for an attorney to be giving you living expenses. However there are pre-settlement funding companies that may lend money to you but at very high rates of interest. The bigger issue though is why are you using an attorney from TX that may not be licensed in Nevada or know our laws?
Since the will had not been signed yet, it would be better to just redraft the will and then execute the signing. If you choose not to redraft then you should add a codicil to the will that is signed and dated.
More information is needed. Are you the insured or are you the injured party? What are your injuries and total meds? What are the policy limits of the carrier? I need those answers to give you an accurate answer.
Unless, there is a court order that requires you to put the money in some sort of a blocked account, then you can do what you want with the money and your lawyer is just offering advise. However, if there is a court order requiring the money to go into a blocked account then you have to follow the order.
If your damages exceed $100,000 then you should not even be in the arbitration program. The 15,000 that you accepted from the other side's insurance would be deducted from any UM/UIM coverage that you may have but if you have over 100k in damages you and there is enough insurance coverage you should still have a full 50k arb limit. However, if I were your attorney I would have exempted your claim from arbitration as it is worth more than the arb limit. This exemption is still possible and you...