I was recently in a car accident where I sustained serious injuries ?

I was recently in a car accident where I sustained serious injuries – including a head injury with the potential for permanent brain damage, facial scarring, and a severe case of PTSD. My medical bills are mounting and while my car insurance and my health insurance are covering them for now, they have both stated that if I settle with the other party that I am to reimburse them immediately out of that settlement. I just heard from the responsible parties insurance company who has said they are willing to pay the maximum amount of the policy limits – which happens to be the lowest possible amount allowed in Georgia, $25,000. This will barely cover what I would currently owe back to my car insurance and health insurance companies, but I would have nothing for further treatment and certainly nothing towards pain and suffering. The insurance adjuster for the responsible party stated that I could get a lawyer if I wanted but there is no way I can get any more than that 25K offered – does anyone know if that is true? I am not looking to “make money” off of this but I would like all of my medical bills to be covered and feel pain and suffering is not unreasonable as I almost died,

Would appreciate anyones advice on if a lawyer could seek out more than the policy limits. The person who hit me does not seem to have any additional funds if I were to sue them personally, I sense that would be an effort in futility.

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