I was in a car accident about 5 days ago. It has been determined by both my insurance company and the other drivers that the accident was not my fault, the other driver made a left hand turn coming out of a parking lot directly in front of me. The other drivers insurance wants me to take a $750.00 settlement for bodily injury. I have already been to the Dr. twice and have a referral to start physical therapy. I have pain in my neck, shoulders and back. My left shoulder is making a grinding click when I move it and is sending a tingly numbness down my arm to my finger tips. My question is... What options do I have for ongoing medical claims to the other insurance and can I sue for pain and suffering? Do I need to sue in order to get a larger settlement? I am unable to do simple chores around my house, the pain is constant and frustrating. I have already informed the insurance company that I will not be taking their settlement offer due to my referral for physical therapy and I do not yet know the extent of my injuries.
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