What should one do if insurance is trying to settle for half the cost of vehicle and you are now needing physical therapy?

If your brother was injured in the accident, he should advise his insurer and the insurer of the adverse driver in writing of these circumstances.  He should also complete an accident report and file it with the Illinois Secretary of State to confirm his version of the facts and his injuries.  In most instances, a driver's own insurance coverage provides "no fault" medical insurance, for a limited amount (i.e., $5.0K), for anyone injured in an accident, including the insured.  This coverage is available for physical therapy, hospital charges, etc.  It is not uncommon for persons in an accident who are in an emotional state and experiencing a great deal of adrenaline to not realize they have been injured.  It is also common to experience a variety of pain the day or two after the accident, especially due to back and neck pain from the accident.   The vehicle damage and reimbursement: a used vehicle, a 2007 GMC Truck, has a "blue book" value in the marketplace.  This is easy to look up and sets a benchmark for reimbursement.  The adverse driver and his insurance company must pay the lesser of the vehicle's repair cost or its market value immediately before the crash.  For an older vehicle, it is not uncommon for the market value to exceed the cost of repair.  It is important to note that in Illinois, the statute of limitations for personal injury claims is 2 years from the date of the accident, but 5 years for property damage.  Failure to pursue your claim within these time limits will bar recovery.  If you only have property damage, you can choose to collect from your own insurer, and they will be subrogated and make the claim against the other driver and his insurer.  If you want to pursue a claim for personal bodily injuries in the crash, you should contact a lawyer specializing in personal injury litigation to handle your claim.