My question involves an injury that occurred in the state of:tn
Car turned out in front of me on my friend's motorcycle, cut and dry failure to yield (citation issued)
Important facts:
1. I have health insurance that is covering my injuries.
2. I took the ambulance ride ($4500) spent 6 hours in a hospital ($5500) and will need surgery for my broken bones ($12.5k) and a knee brace.
3. Driver had at least state minimum liability, that's all I know.
Q1. Should I let my health insurance cover my injuries or let them bill be? Will my premiums go up?
Q2. How does the state minimum work? If it's 25k / person & 50k total per accident for injury, does that mean as soon as my bills exceed 25k I won't get anything else? (My bills will be over 25k easily)
Q2.5. Can I seek more and have the insurance company settle for more. and then they will take it up with the driver? This is going to affect me for a while, I would like to seek a settlement, but I/m afraid after that 25k I'm SOL.
Q3. How do I go about finding a lawyer??? There's not full coverage on the bike, and Driver's insurance is trying to settle asap. There are SOOOOO many lawyers here. I have no idea how to start. The only thing I can think of is trying injury lawyers I see on tv, but that worries me.

