First, you need to know how much insurance coverage there is. If it is only $25,000.00, that is likely all you can get. I think the case is easily worth that from what you describe. How much more is difficult to say. It sounds as if it would be worthwhile to hire an attorney for this. One problem is, without an attorney, there is no threat to the adjuster that you are going to take it to court. However, you write a letter the adjuster explaining all of the ways your son and family have suffered. You give them a list of medical bills and lost wages to start, and add a reasonable amount for pain and suffering and loss of quality of life and demand this amount (plus the bills I mentioned). You might think of what it would cost for some activity to replace the joy of playing football, such as music lessons, a car to drive, etc. You might ask for a dollar figure for each wee your son suffers, say $150.00 per week (come up with some way to justify the dollar figure per week).
Answered on Aug 30th, 2013 at 5:28 AM