These soft tissue injuries are tough on both injured and adjuster to settle.

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PostPosted: Fri Jan 04, 2008 3:09 pm   Post subject:   

Found out I do not have medical on my car insurance, it is not required in MO. I'm going to get that changed.



I do have chiro coverage under my personal medical plan with United Health Care. Primary Care physician bill was paid by medical plan. They will probably want to recoup that cost.


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PostPosted: Sat Jan 05, 2008 9:14 am   Post subject:   

Quote:
No real offer has been made, just some general talk with the adjuster. He said that is usually all he can get for a low impact accident.
He's probably telling you the truth about this sorry to say...



Honestly the treatment, you have to make this decision, and about the first demand you make is the same....if you think this injury caused great disruption in your life then get that point across....These soft tissue injuries are tough (on both injured and adjuster) to settle...because on one hand you have a minor impact, with no medical info supporting anything other than whiplash, (before anyone freaks out, I KNOW first hand how bad whiplash can hurt)....so guy ''a'' has a whiplash and can't work etc...treats for weeks with a minor impact, and guy ''b'', had a hard impact, got whiplash and has 300 in meds...see it's just so hard to figure these things.....you'll just have to ask for what you think you have coming and go from there....no way for me or anyone else here to properly evaluate your injury without seeing all the medical info (past and present), doc notes, vehicles etc.....I know we were not able to supply the info you hoped (''what is my injury worth'')....sorry about that.



I do wish you great success and luck, and hope you will let us know the outcome...feel free to ask more questions as you proceed thru the negotiation process...


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PostPosted: Tue Jan 08, 2008 4:28 pm   Post subject:   

Should I send something formal for my settlement request or just do it over the phone?


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PostPosted: Tue Jan 08, 2008 5:26 pm   Post subject:   

Does not really sound like there will be to much to deal with, It won't be a major case for the insurance company, don't they settle these out pretty quickly, whiplash is so common, they probably have a set amount in mind and going to the chiro pulled from the amount that you would have gotten.

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PostPosted: Tue Jan 08, 2008 11:38 pm   Post subject:   

The phone is fine



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PostPosted: Sun Sep 13, 2009 4:30 am   Post subject: subbrogation and erisa health care  

i have recieved my settlement agreement paperwork and releases. there are no leins from my healthcare b&b erisa that my attorney says he knows of. wouldn't he know if their was a lein from them? how can i find out? on my memorandom sheet it only list chiopractor bill and attorney charges and for medical records. i feel like he is trying to pull a fast one and wants me to sign my power of attorney over to him before i recieve any money. help!! Crying or Very sad


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PostPosted: Mon Sep 14, 2009 2:50 am   Post subject:   

I would NOT give him a Power of Attorney, unless you are completely disabled.


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PostPosted: Mon Aug 02, 2010 6:52 pm   Post subject: claim question  

The hospital billed 120k for my treatment/hospital stay therapy etc. (so far in the past yr) i have damages that will never heal like the partial loss of vision.

2 questions-

how do i bill for permanent loss, like vision and bein slower in congnative processing.

also, does third party insurance pay what hospital bills or what hospital is actually paid by my insurance.

hope i am clear on questions


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PostPosted: Fri Mar 09, 2012 8:44 pm   Post subject: Personal Injury  

I was in an accident last year July in the state of GA, finsihed treatment in October 2011 with Chiropractor. Total bills were about $4300 in which my medpay determined the treatment necessary and has paid. Both parties have StateFarm Insurance. The at fault party adjuster is offering $1000 without paying any medicals due to low impact and no physical damage to the car. I was diagnosed with back pain and whiplash by the ER who told me to follow up with a physician, Can the at fault party offset my medpay with the settlement amount at all that I have requested. I requested a total of $8000- with $4300 and medicals and $3700 bodily injury. Why would my evaluation not be reasonable?


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PostPosted: Mon Mar 12, 2012 8:46 am   Post subject:   

Quote:
I was diagnosed with back pain and whiplash by the ER who told me to follow up with a physician, Can the at fault party offset my medpay with the settlement amount at all that I have requested. I requested a total of $8000- with $4300 and medicals and $3700 bodily injury. Why would my evaluation not be reasonable?


If you were told to follow up with a physician, why did you choose to seek chiropractic care instead?



Aside from that, I don't quite understand how your "$3700 bodily injury" claim is separate from your "$4300 and medicals". You appear to be making the same claim twice. On top of that, if one insurance company has already paid your bills, you are not entitled to collect on those same bills a second time. Or am I missing something here?



Bodily injury claims are essentially measured at first glance by your medical bills and treatment -- these are known as "specific" (or "special") damages. If you are asking for $3700 as the result of "pain and suffering", those are called "general damages", and they are strictly a judgment call. In the absence of significant physical damage to a vehicle, many people (like judges and jurors) might find a "pain and suffering" claim a bit "dramatic". Not that it isn't possible. I'm just saying.



You apparently turned your chiropractic and other medical expense over to your own auto insurance company for reimbursement under your Medical Payments coverage part. That money would only be subrogated against your own health insurance (if allowed under state law -- in CA for example, medical payments are considered "excess coverage" and would only apply once you had exhausted your own health insurance benefit, or if you had no health insurance). It is generally up to your insurance company to go after the other party's insurance company for reimbursement of its expenditures on your behalf.



So we need some clarification concerning what you want to know here.


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PostPosted: Fri Mar 23, 2012 6:19 am   Post subject:   

hi,

Quickly take some medicine for the pain, or it will have some side effects.



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PostPosted: Fri Mar 23, 2012 11:36 am   Post subject:   

This is not a medical advice website.



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PostPosted: Tue Jun 09, 2015 1:54 am   Post subject: PI  

tHE ADJ. HAS OFFERRED TO ONLY PAY THE MEDS. sOFT TII=SSUE INJURIES AND 5 HOURS MISSED FROM WORK. i SENT SETTLEMENT LTR. ASKING FOR $25 (ALSO DAMAGE 2ND ESTIMATE WAS ONLY $500) MY QUESTION IS HOW DO I GET THEM TO UP THE ANTE?


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PostPosted: Sun Feb 26, 2017 2:06 am   Post subject: mWcknDAYsvp  

Hot damn, loikong pretty useful buddy.


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PostPosted: Sun Feb 26, 2017 2:20 am   Post subject: tazSDMjNkNpkdKKVSn  

I have recently fallen in love with arugula. It's not like I have never had it before but somehow I have developed a new apeipcration for it. Looks delicious with this pasta, great fall colors!


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