How can I use medical emergency as a defense to a ticket (possibly reckless driving) if I have not yet been diagnosed?

You may want to retain a vehicle and traffic attorney.

What are some of the worst/lowest "lowball offers" personal injury lawyers have seen or heard of in their professional career?

An offer that is unrealistically low can be quite frustrating.

Can I have another suit against an ins company after they settle the first one?

A settlement usually includes all claims.

Can I request for more in my settlement after I have verbally accepted an amount?

One of the many pitfalls of representing yourself. Perhaps an attorney would be willing to represent you. Good luck.

Can I be held liable for an accident my 20 year old son caused?

Presumably, you own the vehicle. Yes.

Most likely not, as criminal activity is a superseding event that would vitiate coverage.

Stop paying restitution ?

Restitution generally is part of a criminal disposition. Getting injured could be the result of civil litigation.

Depends. Assuming "full value" a proper evaluation would require an inspection of the scar; and more.

What can I do if I was bruised by the lady who was waxing my arms?

You certainly have the right to post a negative review, not return as a customer and/or file a complaint with consumer affairs. If you are...

You should be able to sue them for denying the claim. Perhaps small claims court is an option for you.