Personal Injury Settlements- Broken Wrist with 3 surgeries
I was injured as a passenger in a car accident. The other driver (who was at fault) only gave us $25,000 because that is the maximum coverage his insurance had. The car I was driving in had only liability car insurance.
My hospital bills 2 yrs after the accident and 3 surgeries later are:
1st surgery $21,000, plate and 8 screws wrist fracture
2nd surgery $7,600 to remove plate(1 year after accident)
3rd surgery $13,700
One of my nerves was completely cut and my left wrist will be numb permanently.
There were 2 more incisions made at my 3rd surgery to severe additional nerves. Cortizone shots and pain management added to $5,000.
physical therapy and chiropractor $3,000.
So about $50,000 in medical bills, and since i just had the 3rd surgery 1 week ago, I don't know how bad this will affect me.
My personal injury attorney received letter from car I was driving in ins. to settle for the $100,000 liability, and to leave the under-insured $100,000 open. PIP paid $30,000 of medical.
Since we have signature from the claims adjuster stating that if we settle for $100,000 liability insurance,with the condition that under-insured claim stays open,
What are our chances and when can we file for the under-insured. Also how do they calculate pain and suffering?