Neighbor backed over my husband in our own parking area — now everything is falling apart

That 'resolve this quickly' language is a massive red flag. Insurance adjusters are trained to close claims fast — before the full extent of injuries is known — because early settlements are almost always lower. Your husband's condition is still evolving, you said so yourself. Once you sign anything, that's usually it. Do not give a recorded statement and do not accept anything without understanding exactly what you're giving up.

I used to work claims and I'll be real with you — when an adjuster calls quickly and sounds super nice and cooperative, that's a strategy, not a coincidence. They've already flagged this as a potentially high-value claim because of the fracture and the pre-existing condition. They want to lock you in before his doctors have a full picture. The pre-existing condition actually complicates things in your favor in some ways, because aggravation of an existing condition is absolutely compensable. Don't let them use it against you.

Not legal advice, but please talk to a personal injury attorney before you give that recorded statement — most do free consultations for situations like this. The combination of serious fractures, a pre-existing condition now in flare, AND documented lost income for you as the caretaker is exactly the kind of multi-layered claim where early settlements leave people shortchanged years down the road. The neighbor living nearby doesn't change your legal position at all.

We went through something similar — person we knew, close quarters, felt weird to 'go legal' on them. But honestly? Their insurance company has zero loyalty to your neighbor either. They're just trying to pay as little as possible. We waited too long to get a lawyer involved and I regret it. Don't let the personal relationship make you hesitant to protect your family.

The autoimmune flare piece is really important and I hope his care team is documenting everything carefully right now. Trauma — physical and emotional — genuinely can destabilize autoimmune conditions in ways that aren't always immediately obvious. Make sure every specialist he sees is noting the connection to the accident in their records. That documentation matters if this goes anywhere legally or medically down the line.

A few practical things: keep a daily log starting now — his pain levels, what he can and can't do, appointments, medications, anything you've had to take on that you didn't before. Also save every receipt and bill, even the small stuff. And your lost PTO and missed work hours? Write those down too with dates. If you end up working with an attorney, that kind of organized record makes a real difference. It also helps you remember details that fade over time.

I'm so sorry you're both going through this. The stress of managing his health was already a lot, and now you're dealing with financial pressure AND the weirdness of it being someone you have to see all the time. Please don't try to handle the insurance stuff alone — you've got enough on your plate just taking care of your family.

Was there any kind of incident report filed — police, property management, anything? And did anyone witness it happen? I ask because in a shared parking area, if there's any ambiguity about what happened, having documentation and witnesses early on matters a lot.

I know it doesn't feel like it right now, but the fact that liability here seems pretty clear — he was on foot, neighbor was reversing, there's presumably a police or incident report — actually puts you in a relatively stronger position than a lot of accident victims. That clarity is something. Focus on getting the right support around you and let that work in your favor.