What is the name of your state? Wi, I rear ended some jerk that just stoped for no reason in front of me, I'am seeing a doctor for my hand and neck injuries. My auto medical ins is covering the bills. the doctcr informed me that there mightbe a percentage of permenant disablity. because it is my fault do my auto ins cover this disablity percenage or should I get a lawyer.What is the name of your state?