Car hit. Settlement claim offers coming in
I live in New York and was driving my car with my entire family in it. My car was hit twice on the drivers side. We all had to go in ambulance and hospital. Minor injuries and luckily we will all be ok. The other driver was driving recklessly. Either too fast or following me to close or passing me illegally on the left or just flat out not paying attention when they hit me.
I received a claim offer for damage to my car which was half of the damage estimate. I verbally accepted despite the fact that this whole situation is going to be a big financial loss for me because I need a new car.
My question is: My insurance is saying they want to talk about a second claim offer for pain and suffering, etc. I think they’re wondering if I’m going to file a lawsuit against them or the other driver since they were ruled 100% at fault. The other driver also has the same insurance as me. I’m considering filing a lawsuit but am curious about this second claim my insurance said they want to discuss. Does any know how this works ? Any advice is appreciated.