On December 2, 2008 I was t-boned at a red light by a girl going well above the speed limit, messing with her dog, and not paying attention to the traffic. Her car hit my car on the passenger side and spun me around 360 degrees. My car was only six months old at the time of the accident and it was totalled out by my insurance company. I am a paraplegic and I carry my wheelchair in the front seat to make it easier for me to load and unload. The wheelchair hit me in the right side of my head and jaw causing whip lash ands damaged my jaw and some teeth on the right side. I was transported to the local ER and it was discovered that a medication pump that had been installed in my abdomen in September of 2008 was not fucntioning properly. The needle that goes into my spinal cord was broken off and the pump was damages. So in January of 2009 I had to undergo surgery to replace the pump and was laid up under nurses care for over two months before I could return to my job as a substitue teacher for the local school district. Since I only have Medicare and Medicaid coverage I could not afford to get anything done about the damages to my jaw and teeth. My insurance carrier would not pay for the dental treatments nor would her insurance carrier pay for them. As a matter of fact her insurance carrier would not talk myself or my carrier about anything. So In June of 2009 I finally hired an attorney to hopefully settle this out. Her carrier only has $50,000.00 on her policy which I ended up taking. My non insured motorist should have paid me something but they have denied the claim because they paid off my car, storage of the car, towing, and my ER bill. They have not been able to collect any of these funds from the other insurance carrier. My attorney informed me today that after they repay Medicare and Medicaid $34,000.00 and he takes his part I will get nothing. I get no pain and suffering, no lost wages, and no dental repairs. Is there anything else I can do or am I stuck with nothing at all money wise plus a $6000.00 dental bill to figure out how to come up with. I havew no dental coverage at all with Medicare or Medicaid and live on Social Security , child support and if I am lucky to work at school and small check that barely covers my rent. $1100.00 total per month. I still suffer while the person responsible suffers nothing. Can you give me some advice?????
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