Question Details: i had an acccident about a year and half ago and i was a passenger. i have no health insurance and have been footing all medical bills thus far. i am writing a demand letter right now but am wondering how much should be my compensation request.
here’s a brief summary. the other driver is at complete fault. i have all soap notes from doctors,bills and reports. we were hit head on while on our way to my root canal surgery, i was having my permanent put in. i had to go in 2 weeks later wearing a cervical collar. i have choronditis, back sprains and horrible knee contusions still left on my foot. my doctor has recommended physical therapy for up to 3 months but i can’t afford to go anymore thus why i am trying to settle.
total medical bills is about 12,000 not including other misc like pills.
i just don’t want to ask too high or be taken for a fool,so please help. thanks.
also the insurance company has never made an offer they said it was a hard hit. both cars in
honey luv. thx. yes i have police reports, soap notes from doctors, medical reports, er report, all bills, xray files and copies. it is other driver’s fault b/c of failure to yield. this was a head on accident and occurred early morning. would i be reimbursed for out of pocket expenses and should i include that in my medical expenses or not?
is it too late for pain and suffering? i had someone tell me it was.

i was rearended, the guy only had liability insurance. bodily INJURY WAS MORE THAN POLICY LIMITS. MY AUTO INSURANCE EXHAUSTED PIP LIMITS. I HAD TO HAVE AN ANTERIOR CERVICAL FUSION. DOES THIS ALL GET PAID FOR AS WELL AS REIMBURSEMENT FOR MISSED WORK, AND OUT OF POCKET EXPENSES AND VEHICLE DAMAGES AND PAIN/SUFFERING/INCONVENIENCE?

i was a passenger in car that was rear ended at a red light. the vehicle who hit us was speeding and got a citation. i was taken to emergency by ambulance at the scene. i was out of state (california) at the time. i was diagnosed with cervical strain. i returned to my home state (new jersey) where i saw my own physician. he sent me back to emergency where i was diagnosed with severe cervical strain and bruised ribs. i have been sent to physical therapy for my neck, 3 times a week for 4 weeks. hopefully that will be all i need.
i don’t really like to sue people but i sure would like to see all my medical bills paid and some pain and suffering. i do not work so i have no lost income. should i just negotiate with his insurance company or get a lawyer who would get 33% of any settlement. how much would my pain and suffering be worth? my medical bills will be 3 or 4thousand dollars and my out of pocket expenses will be about 0.00.
andie