<prompt> Human: I am a 20 year old college student from Texas and I was in a motorcycle accident December of 2017. I was riding behind a guy on a neighborhood road and he started to slow down. I slowed down as well and he eventually stopped on the side of the road in front of a house. I continued driving along the road and after I had gotten closer to where he was, he attempted to U-turn without using a turn signal and caused me to crash. I came off of the bike after attempting to brake and slid into his car after hitting the ground and my bike took off part of his cars back bumper. I ended up breaking my radius and was taken by ambulance to the Emergency Room. I got surgery a few days later and am almost done with physical therapy and have regained a lot of my previous mobility and strength.We both have Progressive auto insurance. Progressive paid out the total cost of the bike, which was totaled, to me from his policy but they are claiming that they are only going to pay for 60 of the medical bills. Their reason for this is the police report from the accident, which makes the accident seem more like an accident instead of the other guy causing me to crash. The police report states that he was U-turning on the other side of the crest of a hill and I saw him when I crested the hill and then tried to stop. This is BS because I saw him throughout the entire stopping and turning process. The guy who caused the accident also received a traffic citation from the responding officer on scene for a prohibited U-turn.I am on my parents health insurance which has a 3,000 per person deductible and a 6,000 per family deductible per year. This means that my parents are having to pay 3,000 for me for last year and then more costs this year for physical therapy and other incurred costs.I am wanting to know if there is any way I can get Progressive to cover more, if not all of the medical costs since their policy-holder, the other guy, is the one that cause the accident. I even have pictures of the car and my bike and my arm after the accident and can prove by taking another picture now and using Google street view on Maps that there was no hill crest and that I could see the other car the entire time. My parents are wanting me to talk to a lawyer about this, which I am perfectly fine with, but I dont want to incur legal fees if it will not help. What should I do?Edit: My right thumb also can not be extended up anymore. The tendon on top ruptured because of the accident. I am considering getting a tendon transfer surgery to fix this but I am not sure yet if the benefits outweigh the costs and potential risks. This would also increase the amount of time before my parents can be reimbursed for the medical bills.Edit 2: I was already planning on talking to a lawyer but just wanted to make sure it would be worth it and get some advice first. I talked with a law firm this morning and have an appointment set up with them on Tuesday.  <response>: GET OFF OF REDDIT AND GO SEE A LAWYER. Personal injury cases do not cost anything to the person filing the claim. The attorney will take a portion of the settlement or verdict. You need to see one as soon as possible. Do not hesitate on this. 