I worked in the personal injury field for 20 yrs plus for a law firm. I can give you some insight on what the ins company is doing. Had you gone to a medical dr, md, rather than chiro care, your claim would have 9 times out of 10 had more value. Now, I am not saying this to raise anyone's hackles, and I am not bashing chiros, its a fact. The insurance companies give very little credilbility to chiropractic care. They generally allow six weeks of care with the chiro and recongnize no futher care or billing from that date. Their bills are excessive, which you know from them exhausting the med pay on the policy in no time at all. They use a form with hand written notes that do not amt to a hill of beans.
Also, the insurance companies look at how much damage was done to the vehicle. In some cases if there is minimal damage they allow for er care or one visit to the dr and thats it. It doesn't matter how many lawyers you get that will not change.
I know everyone on here says hire an atty, I can assure you with what you have written about the accident, I would not hire one, the only thing that will change is he will get 1/3 of your settlement and thats free money to him, he did not have to work for the money. Hiring an atty is not a guarantee of more money in a settlement. We culled our cases very carefully and I helped alot of people settle their own claims w/o hiring us. I told them what to say & do and if they had questions they would call me back. In turn they appreciated the honesty and in time they may refer someone to us that we could help.
I would wait until after you see the dr on the 23rd before settling up with the ins. company. By the way, what kind of dr are you going to be seeing?
Most people do not know this but the adjusters do not decide what kind of money to offer on a claim, its a computer generated program. Allstate has a computer program called Collosus. They have employees who enter all the info into the computer about the accident. When I say they enter everything, I mean literally that. Your medical records and billing, property damage, the whole bit. Once the info is fed into the computer it kicks out a sheet with info and a value of the claim. All companies have gone to this way of computing claims because it saves them the almighty dollar.
Sorry this is lengthy, any questions ask them, if I can help I will. Susie