A Texas attorney could advise you best, but your post remains open for four days - and the wording of your post suggests you are losing valuable time because you aren't clear on how attorneys handle car accident cases. This is because you say, "I cannot afford a lawyer." Attorneys who handle injury cases generally offer free initial consults. You are talking about sustaining a sizable loss on the adjustment of your property loss claim, and I'm sorry for the financial strain this was certain to create. However, further down in your description, you mention a badly fractured wrist, which is far more compelling than a PD loss.

I recommend that you reach out to Texas attorneys this week. As for the hearing impairment issues, you can still communicate through emails or texts and many law firms make accommodations. Although you mention the other side did not have insurance, depending on how the paperwork was handled back in March 2019 and how notices were provided, you should explore whether you still have the basis for an uninsured motorist claim through your own carrier.

It is up to you to discuss and verify the payment terms of attorneys you consult with. I am not saying you are guaranteed to have the matter handled on a contingency basis. It is up to you to ascertain how a prospective attorney will expect to be paid. If an attorney determines that the only salvageable portion of your claim is property damage, they very well may NOT handle that on a contingency basis. It is up to you to ascertain that.

What I am saying is that you could probably benefit from trying to arrange a free initial consult with a Texas attorney without delay to see what you can still do at this point, what your rights are, and how you can take steps to preserve them. Good luck

Tim Akpinar