If you are trying to do this without an attorney, you are getting what you deserve, because the insurance company is trying to take advantage of you. If you want a chance to obtain fair value for your injuries, consult with an experienced personal injury attorney.
It is impossible to give you a good answer without seeing the medical records and any xrays or mri's that may have been given. The reality is almost all people are able to recover more if they have attorneys representing them, but the only way to find out is to talk with an attorney. There is no set formula for how much a person is entitled to for pain and suffering. It depends on how much pain there was and how it effected you. Some people with neck or back pain have trouble sleeping, some don't.
Your question about the money you made as a musician is unclear. If you were unable to perform because of the injuries, you are entitled to compensation for those lost wages. There may be an issue proving the cause of the lost wages and I would have to know more information before I could give you a better answer. As always, feel free to call me if you have any questions. I would call an attorney, almost all of us will give you 15 minutes of a consultation without any cost or obligation.
It all depends on your damages, medical, out of pocket expenses, loss wages, etc. You are being low balled because you decided to do this by yourself. By now, it may be extremely difficult for a lawyer to salvage your case, because you are stuck with whatever admissions you made of the adjuster. Nevertheless, talk to a lawyer in Little Rock, there some good ones there. Check if they attended Hendrix College and tell them I recommended you. Hendrix '73. Best of luck.
This answer is provided by California Accident Attorney Manuel A. Juarez, Esq., 510-206-4492. Abogado de Accidentes de Autos de California: 510-206-4492. Abogado de Lesiones de Accidentes de Autos, provides answers of a general context. These answers are not intended to form an attorney client relationship. Oakland Abogado Accidentes Autos, Abogado de Lesiones Personales, Abogado de Accidentes de carros, Abogado de accidentes de Peatones, practices in Antioch, Berkeley, Concord, Oakland, Hayward, Martinez, Newark, Richmond, San Francisco and San Rafael. El abogado de lesiones y heridos en accidentes de autos, is licensed only in California. This information is good only in California and it is not to be taken as legal advice on car accidents, personal injury, divorce, bankruptcy or in any other type of situation. Esta respuesta es del Abogado de Accidentes de Autos, Abogado de Lesiones Personales, Abogado de Heridos en Accidentes de carros, Manuel A. Juárez, 510-206-4492. Abogado Hispano de Accidentes, Abogado de Divorcios, Abogado Latino de Accidentes, Abogado de Accidentes de Oakland, Hayward, San Francisco, California. Estas respuesta son solo para información general y no consisten en consejo legal sobre divorcios, mantención de esposas, mantención de hijos o bancarrotas. Las respuestas son comentarios legales que no forman una relación de abogado y cliente. Manuel Juarez, Esq., esta licenciado solo en el Estado de California.
Without a personal injury lawyer, you are only being offered a tiny fraction of the true value of the claim. Get a lawyer
You need to take your case to an attorney to help you get the highest payout. The insurance company knows they can probably get away with paying less if you aren't represented by someone looking out for your best interests.
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