First of all, $30.000 doesn't sound like a lot for what you describe. If that is Hartford's policy it puts you in a bad situation as they will want a release for their insured if they pay. Did you have underinsured motorist coverage? If so make a claim against your company. You need to sit down with your attorney and discuss your options.
You have a good deal of damages. I trust you have an experienced PI lawyer. If not get one. Don't negotiate with any insurance company directly. There objective is to pay the least possible.
Best not to play lawyer, but to retain one. Avvo has a terrific "find a lawyer" tool to located a top-rated Avvo attorney with a low contingency fee. Good luck.
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Your question is difficult to answer without knowing the extent of the policy limit? For example 35K, 50k, 100k. Assuming the policy is 50k or more, your question is still difficult to answer without seeing the file and evaluating it in person. I suggest that you seek an in person meeting with your attorney as soon as possible. In the event that you are not happy with his/her performance then you can make a change. Good luck!
First offers are always low. There is no decision to make until you get their "final" offer. Work with your lawyer.
The at fault driver is liable for all aggravation to your pre-existing condition (which may have made you more prone to injury) In addition, you likely will be dealing with subrogation issues for the company that paid your medical bills. I cannot properly evaluate the value of your claim because I don't have access to all the same information your attorney does. Based on the very limited info you provided the offer sounds very conservative. I suggest you go back and talk with your attorney. If you are confident in your attorney akd trust him or her you may seriously want to consider following their advice. Otherwise you have the right to seek a second opinion prior to settling your case. Not all attorneys at equally capable. Most importantly, the choice to settle or not is yours to make and not your attorney.
Best of luck
You should have your attorney address these questions for you. There is no way for an attorney to know if you are entitled to the policy limit, especially because you have not stated what it is. In Washington State, the minimum amount of insurance a driver must carry is $25,000/$50,000 per collision but some driver's carry insurance polices much higher than that.
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Sit down with your own attorney who you hired to handle your case and hash this out with he or she. If you do not trust your attorney do both of you a favor and fire he or she and seek an experienced attorney off AVVO to handle your claim. You have so many issues that need to be addressed and you must hold your attorney accountable for you knowing each one.
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