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I was struk from behind by the son of a driver who stopped short in front of me. The act seemed malicious but the driver was not charged with assault. His Insurance Co has accepted liability but won't negoitiate the settlement without me making separate claims for each loss (medical expense, pain, etc). My Wife and I were under chiropractic care before accident; and examined after accident showing losses in range of motion. My Wife and I suffered back/neck injuries. I have chronic upper back pain now and wake up every morning in extreme pain. I have not negotiated with insurance company; and they have only offered to repair my car (without offering loss of value or use) and wont settle the injury claim unless I ask for specific reimbursement amounts on each claim item. How do I proceed?
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