Received the 1st offer in my auto accident case which my lawyer advised to start the lawsuit. What to do next?
BUFFALO, NEW YORK -- My lawyer called me yesterday and said Geico gave us an offer of $4,000. I was livid at the fact and after spending 6 months under Doctors care, physical therapy, & Medication I had to take for pain. I was in an accident in Nov. of 2007 which a kid ran through a stop sign to try and get in front of me to get to the other side of the road in the opposite direction. He ran right into me on the front passenger corner of bumper. My car spun around 3 times and stoped in front of on-coming traffic and I was hit again by another vehicle, my airbags deployed. I was so shook up I didn't know the extent of my injuries until after I was in the hospital. I couldn't turn my head and my arm was numb, which my jacket got burned and my neck from the airbag.
It happened at night on my way to work and maybe half a mile from my house. From that day on, I have experienced MRI's, couldn't turn my head for 3 months, headaches on a daily basis, muscle spasms that I never knew what they were until I felt them the first day soon after the accident. I have a 1 year son, and a 3 year old little girl whom I literally could not lift without problems. I am only 5ft. 2in. tall and weigh only 102 pounds. This has put a lot of stress on my life, and my children. I haven't been able to work in the same kind of work due to lifting too frequently. Geico's 1st offer was only $4,000 and I am beside myself as to why??? I was out of work 6 months, had soft tissue injuries, whiplash, moderate herniated disc., muscle spasms, and headaches.
My lawyer said we should file suit and take it to trial. What really happens next? Will they give another offer before he files, or before trial? Or not at all? Could I talk to the adjuster myself? If so, where would I find out who she is? I am so confused. I live in New York State. All help is greatly appreciated!