Wow, she's had a rough time of it! Hope things get better soon!
I've had 9 (yes, read it again, 9) accidents, all in the state of Texas (3 in the same intersection!); and Texas
insurance sucks! They only give you the value of your car at the time of the accident, which usually amounts to just paying off the car (when my husband had his 1 accident we ended up with some extra because it was worth more than we owed at that point). With one of my accidents I still had to make 2 payments on my car even with the insurance, because I owed more than it was worth.
I imagine the reason that the lawyer didn't want to contact your daughter's insurance company is that if the insurance company pays out a claim to her then they can raise her rates at renewal; which would be counter productive.
The worst part about settlement is that it can take months for all of the hospital/doctor bills to come through; we didn't settle my husband's accident for more than a year because the hospital demanded that the full bill be paid since the insurance company paid it (a $9000 discount for not having insurance, so when the auto insurance paid it the hospital said the extra $9000 had to be paid too!). Fortunately they changed the amount of the settlement even though we'd already signed it before the hospital started throwing a stink, so it got covered in the end. She fought with the hospital before paying it though, they double charged us for a few things. He had 1 CAT scan, but they charged for 2?
I hate hospitals and auto insurance
