Paris, TX Personal Injury Law Firms & Lawyers

It is not possible to accurately predict your cases value without knowing more facts. First, you should hire an attorney. The insurance company will definitely try to low ball you if you represent yourself. In my experience a settlement of 2 to 4 times the medical is a reasonable range on a soft tissue case with no need for surgery and clear liability. Nevertheless, all cases are unique so that is just a range. The insurance company will have to disclose how much insurance is available on the policy. The minimum in Texas is $30,000 for a non-commercial vehicle. If the truck that hit you is a commercial vehicle or business vehicle, then there is likely a larger policy limit.

I don't know anything about Arizona law as it relates to subrogation liens (reimbursement of your carrier). You have a very small claim. The 2622 is perhaps all you will ever get. You owe the doctors and should pay them direct. They did not render service to an insurance company. They served you,. Pay them, get receipts. Send all receipts to your med pay carrier. They should send you a check for up to the amount of your coverage. You seem to be trying to get and stay ahead of insurance companies. Good luck on that. They are experts at staying ahead. That is why they and the banks have all the money in the world. If your carrier does not pay you promptly report it to the insurance commissioner of the state where the policy was written.

Attorneys have very sacred duties to their clients. In general, an attorney should do nothing but their client in jeopardy. Your attorney must keep your interests above all. I would consult with a knowledgeable attorney and get his feedback.