Legal Question in Personal Injury in Texas

I had an accident in August 2015. The guy who hit me was not supposed to be driving; he pled no contest in court and received probation. An MRI showed I have 2 herniated discs and torn cartilage in my knee; there is additional nerve damage and I'm in pain. My attorney says that the adjuster is hard to work with and the company is notorious for not paying much. They have issued a "final offer" that is a third less than the amount their review board found medically necessary. My attorney is now focusing on setting up a payment plan for me to pay the bills and says its no use fighting. I've not been reimbursed for rentals or medication or doctor's visits paid out of my own pocket. The only amount I have recovered has been to sell my vehicle to the body shop at a loss because the adjuster only approved a used gas tank to replace my ruptured one, and again, I was told the adjuster was just too wily and I'd do best just to accept it. I'm in Texas. What will happen if I switch attorneys? I was told due to the policy limit, if I fire my lawyer, they'll still be entitled to a third and I'll end up with nothing.

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