The other party is at fault. I do not have an attorney. I have not settled and may not know the full extent of medical by the statute of limitations as I prefer not to have surgery and am doing PT.
You may certainly proceed pro se and file your own lawsuit. if you do so, then you will be held to the same standards as would an attorney. Thus, if your pleadings are insufficient, then your case may be dismissed by the Court.
While you have the right to represent yourself, doing so is fraught with perils.
There is such a thing called a "tolling agreement" in which all parties to a potential claim agree -- in writing -- to suspend the running of the statute of limitation on a claim until a certain date or event. For an auto accident claim, there is really no reason for an insurance company to enter such an agreement. These are sometimes used in medical malpractice claims.
In my opinion, you should seek legal counsel. Although we are located in Cincinati, we do handle cases in the Columbus area.
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