The defense is asking me to pay $50K out of pocket regarding an accident, how much negotiation power do I have?

No one can answer this for you. If you have a chance of a better result at trial, then spending $50k now is a bad move. If you are exposed to a...

Collision coverage will apply. The driver of your car did not have permission to use it and will not be covered by your insurance for purposes of...

Do I have a case?

Sounds like they are going to claim the statute of limitations has expired so you have no claim. If there is no writing confirming the settlement...

Question please, regarding my car insurance and their third parties including their horrible claim adjusters service

Sue the other driver in Small Claims. File a report with the Insurance Commissioner.

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Should I obtain counsel for a fall at a large outdoor mall?

First, if you are injured seriously enough for ongoing medical care, it is worth talking to an attorney. Take photographs of the uneven sidewalk,...

Is there any kind of extended insurance to cover a vehicle even after being involved in a car accident without insurance?

Are you saying that you want to pay some company a monthly premium and, in exchange, it will give you insurance on a car that is already destroyed?...

Hearsay

If you are an owner of the vehicle, then the statements are potentially a party admission, which is an exception to the hearsay rule. Whose...

To plead fraud, do I have to name the CEO of he corporation??

You can name defendants by Doe if you don't know their real name. Your damages for lack of actual crab meat are negligible, even with a fraud...

Risk of countersuing on small claims without evidence and just he said/she said statements?

If the other insurance has paid for the damage to the other car, it can sue. Otherwise, the insured has to sue for the property damage. The...

Can I sue the employer, the registered owner or the driver for this accident?

Yes to all of the above. Lack of insurance doesn't relieve them of responsibility. You can also get your car fixed under your own insurance, pay...