You will need the assistance of a personal injury attorney for the auto case. Your income will be a factor but the personal injury attorney will know how to deal with this issue.
You would have both a workers compensation case and a personal injury claim. You should discuss your rights with an attorney. You should have an attorney for the compensation case assuming that you intend to file a claim for partial perm. Note, counsel fees are limited to 20 percent in compensation cases of which the insurance company pays 2/3 of the counsel fee.
This is NOT complicated. You have 3 potential claims:
1. A WC claim
2. An unrelated MVA claim - if injured, hire a personal injury attorney
3. A claim under your disability policy
Other than potential set-offs, the 3 claims are SEPARATE and you should handle each one as though the other doesn't exist (except you cannot hide the claims).
If this information has been helpful, please indicate by clicking the up icon. Legal Disclaimer: Mr. Candiano is licensed to practice law in Illinois and Indiana. The response herein is not legal advice and does not create an attorney/client relationship. The response is in the form of legal education and is intended to provide general information about the matter within the question. Links: CJCandiano@CandianoLaw.com http://www.CandianoLaw.com