We were involved in a motor vehicle accident in Jan 2015 and the short of it is we got rear ended while stopped at a red light. Our car suffered some damage as it is a larger sedan but the other car crumpled in pretty bad. Me and my partners major injuries were severe whiplash and lower back pain. My two children age 3 and 7 months were also in the car but appear to be okay.
Fast forward to today after numerous physiotherapy sessions that have now ended and still having back pain and having to consistently perform exercises to remedy the pain we are at the stage of negotiating a settlement. I am not too familiar with this process and would like to seek some insight in to how we go about this. Note - we did not contact an injury lawyer and not sure if it is worth it but thought we would approach it ourselves first.
I know insurance companies have a ceiling for soft tissue but in speaking to the adjuster there is a maintenance program we could qualify and receive $X amount of dollars for. I believe this is where I could negotiate.
Thoughts?