Yes, you can sue the school for their negligence. Keep in mind, however, if the child that hit your child gave no indication he or she was going to do it, and wasn't a problem child, the school district may not be willing to settle with you. You also have only 6 months to put in a claim with the school district as this is a public entity claim. After they deny the claim, which they almost always do, you need to file suit within the time limit stated on the denial letter.
Hire an attorney to review your contract and write the loan modification people that they are in breach of the contract for having sent nothing to the bank. Time is of the essence in loan modifications and if they've sat on their hands, they should be considered in breach. Unfortunately, your contract is binding and they may be entitled to payment for what they've done.
Very few, attorneys want to jump into a case that is going to trial in three months, especially if your current attorney didn't do things the way they would have up until now, especially in the discovery phase. While a new attorney may be able to get a continuance of the trial to get more time to get up to speed in the case, that's not a given. Our firm, for instance only takes cases that are brand new, not ones that are going to trial. Good luck.
They're supposed to find a number of cars in newspapers close to your home with your year, make and model and as close as possible to your mileage, and then average the selling prices. Unless the extra equipment was really extra and new, they rarely give much extra, if any, for it. Ask to see their analysis of the value of your car. In the meantime clip any newspaper ads like the above to use in negotiating with them.
You can sue anyone, but that doesn't mean you'll win. The bigger problem with dental malpractice is that very few attorneys want to handle these cases because of the expense and the cap on damage awards. Good luck.
An attorney can negotiate with them to take a percentage of any net settlement, as with the doctor bills. However, unless you have a higher amount of uninsured motorist coverage, it appears unlkely there will be any net amount after the doctor bills and the other expenses.
If you caused the accident, your insurance company is going to have to pay for the damages, even if the other driver is illegal, or a visitor to the U.S. Apparently, the other driver even had insurance, since they are now calling you. Refer the matter to your insurance company.