My question involves insurance law for the state of: Washington DC and/or Maryland
I was hit from behind at a dead stop by another driver in Washington DC. I wasn't at fault. I settled the property damage portion of the claim with the person who hit me's insurance about a month ago. Out of the blue I receive a phone call offering me reimbursement for lost wages, pain and suffering, and medical bills in exchange for my signature stating I won't sue. I wasn't badly injured but I did go to the doctor and did have xrays and prescriptions written for pain. I missed about a day from work. MY insurance company paid my medical bills, not the at fault's insurance company.
I am inclined to take the money offered as my injuries weren't extensive but I'm not sure about the medical portion. Shouldn't my insurance company be the ones getting the re-imbursement for medical pay outs? Am I entitled to the money they are offering for medical? I would think not.
However, I do think I am entitled to the money for lost wages (which weren't paid out by my insurance because I didnt file for them) and I do think I'm entitled to the money they want to pay me for pain and suffering. I'd like to handle this without a lawyer. Any advice on how I should handle it?
Thanks in advance!