What do you think the pain and suffering are for ..?

Posted: Mon Apr 07, 2008 03:39 pm Post Subject:

You need to get a lawyer....a good one,they will go after that insurance company and get whats due to you for pain and suffering.....I know someone who was auto accident,and his arm was broken in two places,he will need to wear a metal plate for the rest of his life,he went to therapy for a long time,had to learn how to reuse his arm all over again,the got about 50,000 in his settlement...so i think yall stand a good chance of getting big money possibly.

Posted: Mon Apr 07, 2008 03:47 pm Post Subject:

Question... what would your friend have gotten had he not been represented by an attorney? As it is, your friend only recovered about $34k as the attorney took the rest.

In this case, the OP will probably be offered the $20/$40 from the other carrier. If so, what good would it do to have an attorney take 1/3 of what you would have been paid otherwise? Might as well flush that money down the commode. Attorneys have their place, that is for sure... and the OP might want to consider one if the other person's carrier does not offer their limits and for the UIM claim under their own policy. But if it policy limits are being offered an attorney walks away with a lot of money for doing nothing. Keep in mind, an attorney can handle just the UIM claim if the other carrier pays their limits and does not need to handle that initial claim.

Some people thing the _only_ way to get paid on an injury claim is to get an attorney or that an attorney is some how a magician and can increase claims by thousands or hundreds of thousands. I guess those commercials pay off.

Posted: Mon Apr 07, 2008 09:01 pm Post Subject:

YOU THINK TCOPE THAT YOU KNOW FREAKIN THING...WELL YOU DONT!

NO.... actually in response to tcope.....he got 50,000 after he paid his (lawyer..And no i DONT think a lawyer is a magician and can increase claims.(This is real life lady not just some freakin commercial!!!)But they can help you at times when the companies are being selfish PIGS AND dont want to be fair.! YOU MUST BE AN INSURANCE ADJUSTER(or work for one of them companies that are freaking money hungry pigs...and they have you freakin programed like a machine) How would you feel if someone hit you in an auto accident I bet you azz will be running to get a lawyer then) or oh I forgot you know everything so youll,call them yourself and ask for money,yea right!...I WOULD LIKE TO FIND OUT WHO YOU ARE BECAUSE IT SOUNDS AS THOUGH YOU CANT EVEN ANSWER QUESTIONS ON HERE FAIRLY WITHOUT BEING SOOOO FREAKIN BIASED.....it sounds like you have something against attorneys.Stop taking your freakin posisiton(whatever you are if anything) so freakin serious. BECAUSE YOUR A ADJUSTER YOU THINK YOUR HOTT *****....ALL YALL DO IS TRY TO USE YOUR LITTLE POSITION TO HAVE BIG POWER....How much do they pay you to be a freakin JERK! I hope you sleep well at night!!!!! knowing that you dont help the ones who need help,but your helping these ripp-off ass insurance companies get RICHER AND RICHER!!!!!

QUOTE :
"Attorneys have their place, that is for sure... and the OP might want to consider one if the other person's carrier does not offer their limits and for the UIM claim under their own policy. But if it policy limits are being offered an attorney walks away with a lot of money for doing nothing. Keep in mind, an attorney can handle just the UIM claim if the other carrier pays their limits and does not need to handle that initial claim.

Posted: Mon Apr 07, 2008 09:23 pm Post Subject:

Sorry you feel that way... but let me first ask... how many claims/suits have you been personally involved in? If the answer is less then a few hundred, let me ask... what do you base your opinion on?

I am an adjuster, do work for an insurance and perhaps am a little bias. I don't deny it. But the fact is, in this case, if the OP were to use an attorney for the BI claim (which they are perfectly welcomed to do) and the policy limits are offered, then the OP walks away with a _whole lot_ less money. The OP can always wait to see what the offer is and then determine if an attorney is in their best interest. I'm only pointing out other options and expounding on the situation.

How many carriers do I know of that offer their policy limits right away? Plenty (if appropriate)! I've done it many times in the past, but only when the limits were lower and close to what should be paid. As mentioned, despite the commercials on TV... many adjusters are/can be fair about their offers (we don't have a pocket full of attorneys).

But insurance companies are also businesses, just like any other company. Show me a company that does not want to cut costs as much as possible and does not want to make as much money as possible. Why should an insurance company be any different? It does put the carrier and claimant at odds many times but it's just a simple fact. Insurance companies also make it possible for commerce to take place and puts food on the tables of millions of people. I'm not trying to sugar coat the industry, just trying to keep things in perspective.

If you stick around or read prior posts you will see I'm quick to give advise to posters on how to get more money from an insurance company (odd, huh). I try to remain consistence in my posts as well. I tend not to bash carriers and adjusters but I also don't bash people who don't understand what is going on.

Posted: Tue Apr 08, 2008 01:52 am Post Subject: insurance

We shouldn't be "bashing" ANYONE on this forum. We should look at the facts and give our professional or personal opionions. This forum is NOT to beat up on each other. the person, who STARTED this thread ALREADY feels confused enough.

Posted: Tue Apr 08, 2008 10:57 am Post Subject:

janedoe

Posted: Wed Apr 09, 2008 04:51 pm Post Subject:

I really would like to thank the adjustor's for their input. I am also very glad that they think I would be getting limits. I have a question about when tscope said that it is a relief that I have health insurance to the adjuster. Does this mean that my insurance company isn't going to be reimbursed ? I know that they want to be reimbursed.

Posted: Wed Apr 09, 2008 05:55 pm Post Subject:

Yes, your medical insurance should/will want to be reimbursed and would assume that they have already had to sign something saying such. I know I was always relieved when someone had medical insurance to handle their bills while the claim was ongoing. And no, it was not because they were not going to be considered (they will be). It was because that medical bills start mounting up on people and if they did not have medical insurance they either had to find a way to pay them or let them go to collections. I would feel for these people, but also understood that insurance companies do not usually pay for the bills as they come in. Accidents cause hardships in many ways, and if there is medical insurance it just makes it easier while the claim is ongoing. So it is not a claim thing, it is a human thing… regardless of what janedoe thinks.

Posted: Thu Apr 10, 2008 09:32 am Post Subject:

penguinmom, Dasfuk, answered the question exactly...it's a relief because we know without health coverage there is added stress on the injured party, and (as Dasfuk stated) we cannot except in a very very rare occasion pay any med bills until the claim is settled which can take considerable time....it's just a relief to know they are being paid, as they come....that's all...

Posted: Mon Apr 21, 2008 11:40 pm Post Subject:

I just read this whole post and all I could think is how rude! Tscope and Lori both give freely their time and advice. Anyone who has been a member for a while knows that they deserve to have respect. I think Jane needs to find a new site or apologize.