I'd like to know what my options are and how do I proceed from here? Thanks for any advice you can provide me.

You don't need advice here. You need an appointment with an attorney. Call and make an appointment. It sounds like you have a good case.

How do attorney client relationship form involving the ins. company and the insured if the defendants don't have to sign?

In your contact of insurance, you gave the insurer the right to defend and indemnify you and the insurer assumed the duty to defend and indemnify...

Am I liable for any injuries or damages in the accident?

Yes. As the owner of the car, you are responsible for it permissive use, up to $15k per person, $30k per collision. You are also potentially...

Does the product warn against user on body parts other than hands? I don't believe that hand warmers should chemically burn breast skin. Save...

So is there a police report or will there be one? What's going to happen? And who's at fault for what?

Yes, there's a resort, or will be. Notify your insurer and let it handle it. If you have collision coverage, your car will be repaired. If...

Do you need medical care? If not, then your case has no value. If you have scarring, medical bills, you may have a case worth pursuing. If...

Do I settle now before I am fully recovered from the injuries I sustained from the car accident?

If you have reached the maximum insurance coverage from the at-fault driver, there is no reason to delay settlement. Getting more medical...

Do i have a chance to file a claim against the business for lack of security?

Possibly. We need a lot more facts to make an educated guess. Business owners are not liable for the criminal acts of a third party absent...

What can i do?

Let your insurance company handle it. A lot less stress for you. If it thinks it is in their, and your, best interest, it will force the matter...

What if anything can I do about this?

A claim against the spa is possible. This is commonly known as Hot Tub Folliculitis. The spa should have a regular maintenance procedure to...