Hi there! I was recently in a car accident in the state of Georgia in which the other driver rear ended me badly. The driver was driving for Uber at the time and she was unsure of her insurance through Uber, so I originally filed a claim with my own insurance with the assumption that Uber’s insurance would reimburse my insurance.

My auto insurance has taken on all car repair and rental car costs and Uber’s insurance (which I’ve learned is Farmer’s insurance) has since reached out and has taken full responsibility as being at fault. There’s no denying it since the other driver was cited by police at the scene of the accident. Since I’m going through my own insurance, I will need to pay the deductible for my car repairs until reimbursed by the at fault insurance. This is difficult for me as I’m a student and don’t have the means to pay this, but I’m going to make it work!

On top of this, I sustained a concussion in the accident and really hurt my back. I’ve already seen the doctor for my concussion, but will need several more doctor’s appointments to diagnose and treat a back injury. I’m also worried about the ongoing damage a concussion and back injury could do later in life. I literally cannot afford the copays of several appointments (even going through my medical insurance), and the at fault insurance refuses to pay any copays upfront and will not even reimburse until “all treatment is completed.” This could mean paying out of pocket for scans, PT, and various appointments and I wouldn’t be reimbursed until then. This could also mean that 20 years down the line if I’m still experiencing pain from this, that this would not be covered. I’ve cancelled my upcoming appointments because I cannot afford to go, but I’m so upset because a reckless driver has caused all of this and now im in pain and I’m unable to get any medical treatment.

Is there any way for me to fight for a settlement to cover these medical costs upfront? Preferably without going through the hassle of getting an attorney? I’ve already spoken to a few and it does not sound optimal

Tldr: at fault insurance company is not offering a settlement and I cannot afford to front costs for medical care, therefore I’m not getting medical care for injuries from a car accident