If you think your ability to function is seriously impaired by your injuries, you should consult a personal injury lawyer right away. If your injuries continue to disable you from working, you have the right to sue for additional financial loss. If you have sustained permanent, serious impairment of an important physical, mental or psychological function as a result of an accident, in addition to the benefits paid to you by your own insurer, you have the right to sue the driver who was at fault for the accident and collect damages for pain and suffering from his or her insurer. If you wish to pursue this opportunity, seek legal advice right away. You should notify the other driver in writing of your intention to sue within 120 days, or cost consequences can result.
Special rules apply to children.
If your child was seriously injured or if you see changes in your child's behavior or school performance after an accident, you should consult your doctor and see a personal injury lawyer right away. The results of your insurance claims will have a significant long-term impact for you financially. The more expertise your lawyer has, the better the result is likely to be. The system only provides so much, and often the system seems unfair and inadequate. Even the best lawyer must work within the system and can only get you what the system provides.