My question involves an injury that occurred in the state of: Texas
I was in a not at fault accident. Total damage paid was 5K for the car and 10K for medical bills. (ER / XRays / MRI) My health insurance covered all of my medical bills. The other party insurance company sent a settlement offer of 5.5K of which 5K would be paid directly to my health insurance and the rest paid to me for pain and suffering, lost time, etc.
I suffered whiplash, a day off work, 7-10 days of soreness, and dealing with the whole inconvenience of the ordeal. Also, the event has me spooked now thinking someone is going to hit me every time I am driving. I have read that generally lawyers will ask for a percentage of the total medical bill costs for PI of which mine were 10K but their insurance company is saying should be 5K. (They included a peer review) I would like to get feedback if possible on whether I should take this settlement offer or if I should stick with the original medical expense amounts to determine a PI figure?