[Rick Lee]

She was not at fault. Car hit her hard from behind and pushed her into the car in front of her. USAA has already said she's not at fault. There was a lady from a PI law firm on scene by the time I got there 20 min. later. No idea how she found them. I'm sure we're not going to come close to being made whole on this with the payout for the total loss. Her injuries are a few pretty ugly bruises on her legs and she's limping a little, but swears she's fine. She got checked out at urgent care today and they ordered x-rays and prescribed a muscle relaxer. PI law firm is blowing up her email, text and vm, sent over an agreement with fees outlined. We both do not like the idea of suing someone over this, but again, whatever USAA gives for the car ain't gonna get her another one of equal value without some serious shopping and legwork. She recently put $1000 into new tires and I put $700 into PDR a few weeks ago, not that that's the at-fault driver's problem.

What to do here?