[X-Post] Need Settlement Advice for A No-Fault Car Accident I was Involved In

Hello friendly people of Reddit,

I was involved in a motor-vehicle accident last spring that I am still trying to fully recover from. As I was approaching a stoplight, another car driving the opposite direction pulled in front of me to enter a complex parking lot on my right side. However, this was a busy time of day, so the lane to my left that travels in the same direction as me was backed up quite a ways. The lane to the right of this lane (the lane that I was in) was not as congested, so I continued approaching the light without braking. However, someone in the lane next to me left room in between their car and the car in front of them at the light so that people driving the opposite direction could turn if they wanted to. This probably sounds confusing, but a car traveling the opposite direction in the middle turn lane tried pulling through both lanes to enter the business complex parking lot. Since the lane to my left was congested, I could not see that they were about to cut through my lane, and I ended up t-boning the front passenger side of their vehicle. However, I hit their car head on, totaled my car, lost consciousness (I think, because when I got out of the car, the other party was already out of their vehicle and beginning to call the police), and suffered a concussion.

Regardless of the confusing details above, it was found that I was at no fault, and the other party was completely responsible for the accident occurring in the first place. Since then, the result has been much more pain an suffering than I had previously thought would be imaginable. This was my second concussion, so I am almost positive that I experience some of the many undue effects from TBI and Post-Concussive Syndrome. After the accident, I would find myself randomly crying in public for no apparent reason, loud noises near my ears would make me dizzy, and bouts of irritability and anger were fairly normal. I would also replay the moment before the accident hundreds of times before falling asleep, and found that driving became much more frightening, causing me to become easily upset when other drivers on the road were acting carelessly. Pairing these symptoms with whiplash, neuropsychology appointments for my newfound anxiety, and regular visits to a chiropractor for neck and back pain, and you can begin to see how my quality of life became significantly compromised for an extended period of time.

After talking with the other party’s insurance provider (The General) for months on end, they wanted to close the case and settle for a few thousand dollars (I think it was in the ballpark of $6,000) This money was to be used to pay for my medical bills, but no additional money was accounted for for continuous pain and suffering, both physical and mental, that I still am trying to combat to this day. I have full coverage, but my insurance company doesn’t seem interested in working for my case on my behalf.

I want to make a counteroffer because I have spent an incredible amount of time trying to get back to the healthy state that I was in before the car accident occurred, but do not know how to make an effective counteroffer, as I am 25, and feel like I may be taken advantage of. Any advice or help would be greatly appreciated, as I am trying to settle this case so that I can move on with my life.

Thank you in advance for any advice that you may be able to provide.

submitted by /u/DerekReddits92
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