I suggest you talk to an experience personal injury attorney. You and your son should get checked out to see if you were hurt more than the airbag burns. Feel free to call for a free consultation.
Photograph the burns on your son's face now and as they heal. Gather your receipts for your new engine and your tires. Get some values for your vehicle with low mileage. Then go see an attorney, the attorney will get you the best deal.
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I'm sorry to hear about your accident, but I'm happy it was not worse than it was. In terms of compenstaion there are too many variables to give you an accurate idea of what your claim is "worth". There are 2 issues though - one is the property damage claim (the loss of your car), and the second is the compensation to you and your son for your injuries. In terms of the injuries, I would advise you to discuss the case with an attorney before making any statements to the opposing insurance company. They will use anything you say against you, and they will lowball any offers to you in a way that pressures you into accepting it. The insurance companies have binders and binders of training materials on how to manipulate folks like yourself into taking much less than the claim is worth (I used to defend insurance companies, and even I was surprised at how good they are at it).
In terms of the loss of your car, our firm handles that as part of the injury case and we don't take any fees from that recovery. Even with respect to the value of your car, an attorney can usually get you more than what the insurance company is offering. I believe other firms may do something similar. We all offer free consultations and you don't pay us anything upfront - only when you resolve your claim, so there is no risk. Get some good advice and don't get taken advantage of! Good luck to you and your son healing.
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Both Ms. Edwards and Mr. Sarangi give good advice. Contact one of them, if in your area, to assist you. As noted, you have two issues - the property damage claim and potential personal injury claims for you and/or your son. Don't speak with the other carrier(s) on your own, anymore.
Although you came to Avvo site for an answer, unfortunately your question requires a more in-depth response than one that can be provided here. You may have several claims: you son's bodily and psychological injury claim, your vehicular damage claim, and possibly a product liability claim. You need to speak in person with a personal injury attorney who can explain these claims to you in detail. Most Avvo attorneys offer a free consultation. If you would like us to evaluate your claims for you, please go to the web page link below, then to the "Contact" page, for a free consultation:
Law Office of Robert G. Rothstein (Atlanta)
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