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 Posted: Mon Sep 08, 2008 12:04 pm Post subject: |
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| Quote: | | look if this was going thru a health provider this would be about half this much.... |
Hi Lori, regarding the above where you mentioned "health provider", do you mean health insurance companies?
| Quote: | | ...usually health providers attach a lein to any settlement so they HAVE to be paid...they have usually been outstanding for some time...so you call them up and say, look if this was going thru a health provider this would be about half this much....what can we discount and get this paid in full for TODAY....usually you can get any provider to reduce the total by atleast 20-25% maybe even larger |
Does this mean that the other driver will not pay their health providers out of their own pocket or out of their own health insurance at the time they go for treatment, they have their health providers wait for my insurance carrier's BI settlement, then as in your example, say if the bills are 10k, then the other driver and their attorney negotiate with their health providers and lower the bills down to 8k, then the other driver and their attorney will get 2k extra money for themselves?
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Niki
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| Posted: Mon Sep 08, 2008 1:02 pm Post subject: |
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| Quote: | | Hi Lori, regarding the above where you mentioned "health provider", do you mean health insurance companies? |
yep
kind of...if they had health coverage then the bills have been paid, at a reduced rate most likely, then their health carrier will subro them...they will have to pay this back to their health carrier.....but they likely will still collect the total charge
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Last edited by Lori on Mon Sep 08, 2008 8:43 pm |
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Lori
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| Posted: Mon Sep 08, 2008 6:00 pm Post subject: |
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| Hello, Don't get upset. Its not a big problem. Try to consult an attorney to solve this problem. They know how to handle your case. |
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simplosys
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| Posted: Mon Sep 08, 2008 11:43 pm Post subject: |
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| Quote: | | Hello, Don't get upset. Its not a big problem. Try to consult an attorney to solve this problem. They know how to handle your case. |
Do I need to get my own attorney? 
Or working with my adjuster would prevent me from being sued?
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Niki
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| Posted: Tue Sep 09, 2008 9:26 am Post subject: |
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| Quote: | | Do I need to get my own attorney? |
ABSOLUTELY NOT! If you did your carrier would provide one...that poster is hawking a PI attorney, (same type your accident victim got  )........Don't worry about that you need NO ATTORNEY...unless you just have a bundle of money you don't know what to do with, in that case, I have a suggestion or two for you.. 
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Lori
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| Posted: Tue Sep 09, 2008 12:57 pm Post subject: |
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Dear Lori, thanks a lot for your clarifications, I was worried.
May I just confirm with you that in my situation, I don't need an attorney and my insurance carrier and adjuster will take care of everything for me and I don't need to do anything on my part, am I right?
My insurance carrier and adjuster will prevent me from being sued by the other party's attorney, right?
I just thought about, if an at fault person has auto insurance and their insurance carrier will help them to settle the claim to prevent that person being sued by the other party, does it mean that only people without insurance will get a suit filed at court? will people with insurance get a suit filed at court as well? if so, their insurance did not protect their interest?
Thank you.............
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Niki
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| Posted: Tue Sep 09, 2008 1:15 pm Post subject: |
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| Quote: | | May I just confirm with you that in my situation, I don't need an attorney and my insurance carrier and adjuster will take care of everything for me and I don't need to do anything on my part, am I right |
That is correct, just stay in touch with your adjuster, give them a call every week or ten days for a status etc...more to keep your mind at ease than anything else... | Quote: | | My insurance carrier and adjuster will prevent me from being sued by the other party's attorney, right? |
They cannot prevent that, it's there job to try and settle all claims within your limits so that this doesn't happen, sometimes, though atty's will file suit if they can't reach an agreement, if you are served with suit papers, immediately contact you adjuster and get the suit papers to them, they will provide a defense, but I really doubt anything like that will happen...
Doesn't mean they didn't try to protect their insured...maybe an atty is unreasonable, and wants 100k for a minor 4k injury they may file suit, it's more posturing than anything though...
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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| Posted: Tue Sep 09, 2008 1:42 pm Post subject: |
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Good morning Lori,
| Quote: | | That is correct, just stay in touch with your adjuster, give them a call every week or ten days for a status etc...more to keep your mind at ease than anything else... |
I know that my adjusters are really busy, could you please share your experience that is it ok to call them every week? I would like to call for status updates, but I don't want to waste too much of their time though. 
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Niki
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| Posted: Tue Sep 09, 2008 8:39 pm Post subject: |
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They work for you, not the other way around, if you want to call them every day you can....although that is a pain in the butt...calling them once a week is fine, try and make it on a thursday or friday morning if you can generally the least busy days of the week....
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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| Posted: Wed Sep 10, 2008 7:46 am Post subject: |
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Dear Lori and all, thanks a lot for all the helps, thank you for the advise, I will try to call my adjusters on their least busy days.
one of my colleague told me that she encountered the same situation as mine many years ago, she only contacted her adjuster once after the accident to report the claim and record a statement, then she never called her adjuster again, and after a long while, she received a letter from her adjuster stating that her case is settled and closed, I am just curious is it ok not to call your adjuster at all? will your case be treated the same when you don't call or will it be better if you call and express that you are concerned about your own case?
Lori and tcope both mentioned that if my case ever goes to court, my insurance will get an attorney to defend me, but if court appearance is required, will the attorney from my insurance appear for me or do I have to appear to court my self?
Thank you.
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Niki
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| Posted: Wed Sep 10, 2008 7:53 am Post subject: |
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Sorry, may I add this question please.
| Quote: | | Doesn't mean they didn't try to protect their insured...maybe an atty is unreasonable, and wants 100k for a minor 4k injury they may file suit, it's more posturing than anything though... |
does this mean that the other driver's attorney will not really bring the case to court, they are just posturing and just wanted to use these scare tactics to make my insurance carrier pay them what they demand?
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Niki
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| Posted: Wed Sep 10, 2008 9:09 am Post subject: |
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Yes that's exactly what they are doing at this point...and no you don't have to call your adjuster, just thought in your case it would ease your mind...all carriers do not notify the insured once the claim is settled...they will however get ahold of you, (other guy) if a suit is filed...
Why don't you call your adjuster ask how's it's going...what are the injurys that are claimed is there any chance in an excess claim...and would they please contact you with updated periodically.
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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| Posted: Wed Sep 10, 2008 12:53 pm Post subject: |
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Dear Lori, thanks a lot, do you mind to help me with the below questions, I would like to know for my own reference.
Lori and tcope both mentioned that if my case ever goes to court, my insurance will get an attorney to defend me, but if court appearance is required, will the attorney from my insurance appear for me or do I have to appear to court my self?
| Quote: | | Doesn't mean they didn't try to protect their insured...maybe an atty is unreasonable, and wants 100k for a minor 4k injury they may file suit, it's more posturing than anything though... |
does this mean that the other driver's attorney will not really bring the case to court, they are just posturing and just wanted to use these scare tactics to make my insurance carrier pay them what they demand?
Thank you indeed.
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Niki
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| Posted: Wed Sep 10, 2008 1:12 pm Post subject: |
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| Quote: | | Lori and tcope both mentioned that if my case ever goes to court, my insurance will get an attorney to defend me, but if court appearance is required, will the attorney from my insurance appear for me or do I have to appear to court my self? |
yes, more than likely you would be required to appear.... | Quote: | | does this mean that the other driver's attorney will not really bring the case to court, they are just posturing and just wanted to use these scare tactics to make my insurance carrier pay them what they demand? |
yeah, pretty much...but it certainly will not intimidate any adjuster...you have not be served with any suit papers correct? Chances are you never will be either...
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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| Posted: Wed Sep 10, 2008 1:37 pm Post subject: |
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Dear Lori,
| Quote: | | you have not be served with any suit papers correct? |
No, I have not received any suit papers, will the other party's attorney send the suit papers to me or they will send it to my adjuster? I thought they send suit papers to adjusters?
I would like to express my deepest appreciation again for your kindness in helping. I really appreciate your kind heart.  Wish you a great day.
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Niki
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