dksuddeth

Ok folks, long story. read if you feel you can give positive input and provide me some help.

Most folks here know that my wife has been seriously ill a long time. Next week she is scheduled for open heart surgery. I was laid off aug 29th and Mon night (sep 8) i was rear ended by another driver.
Now, this driver has claimed complete liability so his insurance company has been out to do its work and offer settlements.

I have a 2003 Olds Alero, blue book value appears to be about 4k. The insurance company wants to call it totalled. I owe 8k to the bank on the car.

I suffered significant back and neck soft tissue damage/strain. I'm in quite a bit of pain but that is expected to subside with about 3 weeks of therapy and followups. The medical adjustors offered 2k to me today.

Because of the loss of vehicle and pain from accident, i've had to cancel or reschedule job interviews as well as turn down one offer of work because of my immobility.

I'm in the state of Texas so any lawyer types who are familiar with property and personal injury law are requested to please advise.

I'm on a time crunch because of the wifes scheduled surgery. I feel i'm about to get royally screwed with a settlement but I also feel that my damages isn't enough to warrant a lawyer.

please respond and advise.

Thanks

__________________
"no amount of force can control a free man, a man whose mind is free. No, not the rack, not fission bombs, not anything. You cannot conquer a free man; the most you can do is kill him."