I can provide a doctor's note from the surgeon and psychiatrist for the head injury. A police report was also made but I dont have it. I also have pre-op photos that the doctors took. I have missed ALOT of school as a result of this accident and have dropped a few courses.
Here's the thing, I am thinking of filing a pain and suffering claim. How will my friend's insurance rate be affected? It already went up by 30%. If I file a claim, will it go up even more? (Frankly, i don't care but I don't really want to screw the guy over). He has third party insurance. His car was totalled and he did not file a claim for the car. I heard that the premium should not go up more than it has already if I file a claim. I am not looking into suing his insurance or anything. His family has also offered to pay all my medical bills but are asking that I don't go to a lawyer. Right now I don't have his policy number because they are concerned I am going to file a huge claim. I can get the number regardless because of the police report. All i know is that he is with insurance company's name edited out by forum.
What is your opinion? I can probably get some money upfront right? His rate is going up regardless. Will it go up even more if I make claims?