The accident was ruled the other driver's fault. I had three pelvic fractures, dislocated tailbone, and fractured elbow. My health ins isn't paying, but the med bills have been reduced to the negotiated rate that my ins would normally pay. So my TOTAL OWED is about 2/3's of the initial total. Since pain & suffering is based on med bills times a multiplier, which amount will the ins co use? The larger total or the negotiated total? An attorney told me that this hospital is notorious for requesting the rest of the owed amount after the settlement has been reached, so obviously, I want the most money that I can get (and 13 weeks missed work!) Thanks

This should be paid via auto insurance.

Assuming police report agrees it was the other driver fault, and assuming at time of accident info was collected identifying other driver insurance, then you should first see if your auto insurance company will pay your medical and collect from other driver insurance, so you do not have to deal directly with lawyers or other driver insurance..

This depends on what kind of insurance you have and other driver had, which your insurance company can explain to you. You might want to review my earlier posting on types of auto insurance.
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