Boating accident. No tickets issued. Other boat totaled and $18,000 damage to ours. Husband was the driver of our boat. I was standing when we hit and I went up in the air, when coming down hit my lower back on railing and landed on counter. Back boarded to hospital. Swelling for almost two months but no fractures. Had some previous degenerative bone disease. Out of work 3 weeks using walker. Cane for several other weeks. Started physical therapy 4 months after for a total of 4 wks. Pain still comes and goes as does swelling. Missed several functions including my own 45 birthday party. My insurance company called me and offered me $5000. I declined stating I felt it should be much higher and gave facts. Agent told me she could not entertain it and told me to call a lawyer.
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