Legal Question in Personal Injury in Mississippi

Re: porch swing broke

Of course, this is legal information and not legal advice, and you should consult with a local attorney. If you're going to tap into the liability portion of your mother in law's homeowner's policy, you're going to have to take the position that the swing was dangerous, that she knew it was dangerous, and that it was negligent for her to leave it in that condition. "Med pay" is paid out regardless of fault. "Liability" is paid out if it's someone else's fault. Most of the time if you get a lawyer involved there's a good shot you can resolve the matter without suing anyone.

Any attorney you speak with will tell you that they'd rather you not talk too much to the adjuster, and not give a recorded statement, if you haven't already. As you've been finding out the hard way, it's the insurance company's job to pay out as little as possible on any given claim. Your mother in law has been paying premiums to have herself covered all these years. You may want to talk to her about your long-term medical outlook. The symptoms you describe may require surgery or you may have long-term nerve damage. Obviously you should follow the advice of your medical doctors.

Good luck to you.