wednesday woes!!
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wednesday woes!!
| Wed, 07-14-2004 - 5:23pm |
I got in a car accident, my car is seemingly not worth repairing, and I probably have to get a new car (be careful what you wish for, you might get it!). The other driver was totally at fault, her insurance company isn't contesting anything. DD was with me and she's fine, but my back is aching!
So, ladies...anyone been here? What can I expect from my insurance company??
So, ladies...anyone been here? What can I expect from my insurance company??

I've been there! My ex and I were in a car crash that was totally the other driver's fault . . . . and our car was "totalled" (deemed unworthy of repair).
The other driver's insurance company offered us low kelly blue book value for our car, and offered to pay our medical expenses (I was taken away by ambulance - I had whiplash, a severe contusion on my left knee and a broken collar bone from the seat belt that saved my life). And that was it. OUR insurance company? They did ABSOLUTELY, POSITIVELY NOTHING.
I hired an attorney (kind of - LOL - I worked for an attorney who handled my case for free since I did all of the work on it) and went after the insurance company - who settled with "my attorney" for a good amount.
I'm so glad your dd is fine! Where is your back hurting?
Mindy
http://cosmosandcranium.blogspot.com/
Oh, hug hug HUG!
I am SO sorry this happened to you. How awful. Thank GOD your daughter is ok. Are you getting to a chiropractor pretty quickly to get your back taken care of? Even a slight fender bender tweaked J's back out last winter, and they did fix him up. It sure doesn't take much to mess it up.
I can't say that I have any advice at all for you. I've never "used" my insurance and around here at work we have on our vehicles, but it's never been a situation where a vehicle was totalled that we owed money on, or that we pushed for more. We do ok here, and it wasn't worth the fight.
Keep us posted and take care of you!!!
It's my waist that's hurting...it didn't hurt at the impact, but later after the jitters went away, it started to ache and I've been taking motrin, stretching and moving. When I got up this morning I could hardly move, but the walking really helps.
Hi Bay, I'm so sorry to hear about your accident!
My situation was similar to yours- the other guy was 100% at fault and there was no contest. My insurance gave me the option to let them handle everything and then they would duke it out with the other guy’s insurance. All of my treatment was paid for through my Personal Injury Protection which is a usual part of auto insurance. My car was repaired through my insurance and the other guy’s insurance reimbursed my deductible within a few days.
Check your insurance plan...most run of the mill basic plans will have at minimum $10,000 in PIP protection which you can use towards treatment of your injuries. Get the treatment you need now while the injury is still fresh. Letting it go can make it far worse later.
Now that my treatment is over, my insurance will collect payment from his insurance. His insurance company will also be contacting me within the next couple of weeks to discuss a personal injury settlement. Although I am not an expert at settlements with insurance companies, they have been very straightforward with me and I did not feel the need to get a lawyer involved. If the situation were different and the insurance company was contesting the claim, I would have probably hired one to make sure my best interests were looked out for.
If you go the Do it yourself route, make sure you keep records of all of your treatments, cost, days missed from work, time taken from work to go for treatment etc... This will all matter when it comes time to settle.
Good luck!