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You don't ever HAVE to settle. You can get a judge or even a jury trial. If the lawyer's getting 1/3, don't you think he's asking for as much as he, in his professional experience, thinks he can get? There may also be limits on the kid's insurance.
Plus judges and juries usually aren't impressed by chiropractic visits. If she can get her chiro visits paid for, and a little for pain and suffering, she should be happy. Getting in an accident isn't winning the lottery and high payouts for something minor affect all our rates.
/rant over
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