About a year ago, I was rear-ended by a semi three times (yes, three times-he didn't see me and thought there was a problem with his truck). I went to the local clinic, and was diagnosed with back and neck injuries. I went to a chiropractor for weekly visits, as well as massage therapy. My insurance company covered all of this. Three months ago, an "independent" doctor evaluated me and I received a letter from my insurance company stating that I had reached my "maximum visitations" with the chiroprator. I continued going, though, and paying for the visits myself because I found my back hurt after work without the visits.
Yesterday, I received a letter from the trucking company's insurance company along with a 'Release of All Claims', stating a settlement amount ($10,866), as well as a 'Hold Harmless Agreement'. Basically, I'm a little intimidated by the forms and information, and I was also warned by a friend that the settlement money will first be used to repay my insurance company before the remainder would be given to me. I added up the amount that would go to my insurance company, and found that there is a little less than half left over. I'd like some advice as to how the original amount was established, and how I should procede from here. Any thoughts would be appreciated.