In January I fell on ice in parking lot at work and broke both bones in my wrist. I was taken by ambulance to ER and then saw a doc in my orhto's group because my doc wasn't in. He did manual manipulation/reduction and put a cast on up to my shoulder. I was off work 4 weeks and returned with a shorter cast - up to elbow. I spent almost 12 weeks in rehab.
I was never offered any settlement and called the insurance co about this. They said they didn't offer a settlement unless the injured party requested one. ok, so I requested one. They sent me a letter offering $4,000, stating I had a 10% permanent loss of right hand. I thought this was low (the 10% loss part) because I still can't flex the wrist back and forth or side to side. It still swells, lots of pain, etc. I use the computer all day and use of the mouse for any length of time causes swelling and pain. I called the insurance rep and asked how this was determined and stated I felt it was a low percentage. She then said she could go as high as 15% and $6,000 and would send out a new offer letter.
How do I know if this is a fair amount? I have searched for settlement information and can't find any. I am worried about future problems. The rehab therapist said people with this injury often end up with carpel tunnel and osteoarthritis.
Do I need a lawyer or should I accept the settlement. Any and all advice would be so appreciated.