My question involves an injury that occurred in the state of: New Jersey and New York.
As a career and living, I am a performer and instructor. I use my body every day. Because if this, a body deteriorates over time and I have utilized chiropractors, massage therapist, and physical therapist before. While I did have regular aches and pains from 40 years of dancing, I never experienced the pain I was going through after two rear ended accidents.
I was rear ended twice....once in New Jersey which resulted in a totaling of my car and once in New York, 6 months apart. After the second one, I couldn't work, barely walk and needed surgery for my injuries. I have spinal fusion in November 2011. I haven't worked since October 2011 after the second accident.
The first accident is only willing to pay the policy on the accident. It's a ridiculous amount given the totaling of my car and half of the reason I needed surgery. The second accident, albeit smaller, was really the one that ultimately pushed everything to the point of no return and surgery was the only option. Now they are getting knit-picky over the fact that I had deterioration of my back prior to the accident.
Insurance companies and adjuster are causing me some serious mental anguish! The second policy have 6x more coverage than the first.
Should I just go to court and sue them for everything they have? I can prove that I earned a nice income, performed around the world and that these accidents are the one and only cause for my inability to do my job. What should something like this be worth?