How long do I have to sue for pain and suffering?

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What are the time frames for settlement with insurance companies?

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70% - How much can i get for pain an suffering in my car accident?
63% - I am supposed to settle over the medical bills and pain and suffering next week due to a car accident that. when they pay, do i pay back what my medi?
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How long do I have to sue for pain and suffering?

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