Got hit by a city transit bus AND another driver — where do I even start?

Not legal advice, but I'll flag something important: claims against government entities — including city-operated vehicles — almost always have much shorter notice deadlines than regular personal injury claims. We're talking weeks to a few months in many places, not the standard years you might have otherwise. Please don't wait on this one. Talk to a PI attorney soon, even just for a free consult to understand the timeline.

I was in a two-car situation (no bus, thankfully) and the part about adjusters calling fast and seeming eager to settle — YES. That happened to me too. I almost accepted an early offer before I even knew the full extent of my injuries. Ended up needing more treatment than I realized in those first few weeks. Get everything documented and don't sign anything.

Those calls from the other parties' adjusters feeling 'weird'? Trust that instinct. When I worked on the other side, early outreach to claimants was absolutely a strategy to get a recorded statement or a quick settlement before the person understood what they were actually dealing with. You are not obligated to speak with them at all. Especially with a municipal party involved, their legal team is already thinking about limiting exposure.

The government vehicle piece genuinely does add a layer of complexity. A lot of states require you to file a formal notice of claim with the relevant city or municipal agency before you can even pursue a lawsuit — and those windows can be really short, sometimes as little as 60 or 90 days from the date of the incident. A personal injury attorney who has handled municipal cases will know exactly what's required in your state. That's the type of experience I'd specifically ask about when you're vetting anyone.

Please don't downplay the neck and back stuff, especially after a double-impact collision. Soft tissue injuries can feel manageable at first and then get significantly worse over weeks. Keep every PT appointment, document your pain levels daily if you can, and tell your doctors everything — even symptoms that seem minor. That record matters, both for your health and for any claim you end up making.

I know it feels overwhelming right now, but honestly the fact that you have multiple liable parties can actually work in your favor — there are more potential sources of coverage for your medical bills and lost wages. A good attorney can help you figure out how to navigate that. You're not in as hopeless a spot as it might feel right now.

Stop answering the adjusters' calls. Get a PI lawyer on the phone this week — most do free consultations and take cases on contingency so you pay nothing upfront. Bring photos, the police report, your medical records so far, and a list of every call you've gotten from the insurance companies. That's it. That's the move right now.