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 Posted: Tue Jan 12, 2010 11:58 pm Post subject: BI Claim... |
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Hi tscope:
Thanks again. I appreciate you helping a lot. I'm glad that you brought up the issue regarding the error and the right. I can understand that the DOI will investigate and will have an impact on the carrier's reputation and standing. However, will the DOI come to conclusion that it was overpaid and will require me to refund? just to let you know that the estimate was made by carrier's appraiser and he did quiet extensive review. Now, they state that they do not find much impact on the car that rear-ended mine. Also they are going by photographs. But they should have evaluated with mechanics who might be able to find something underneath.
Thanks again, have a good day |
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smith123
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| Posted: Wed Jan 13, 2010 12:32 pm Post subject: |
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I think there HAS to be some misunderstanding...and I'm betting they are not considering that they 'overpaid' the p.d. as much as they want to see their insured's vehicle (they should've already done that!)...to determine the force of impact, as it relates to your injury...
It's not uncommon to look at both vehicles especially if there is a large injury claimed but low impact accident...again, this should've been done months ago.
How much damage was done to your vehicle and what kind of vehicle was it? and what kind of vehicle was the one that hit you?
It's not uncommon for the frt end of a vehicle (strongest part of the vehicle) to not have much damage while the rear end of the other vehicle (weakest part) is distroyed...especially if you've got an older vehicle rearending a newer one, also it depends on 'where' exactly each vehicle hits...say a 1976 F150 rear ends a 2004 camry...the bumper of the truck goes over the rear cover of the camry totally wasting the decklid and rear body panel of the camry and more..the truck might have a scratch on it's bumper...
Yep, they are looking for low impact with a large injury...again...should've been done immediately...
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Lori
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| Posted: Wed Jan 13, 2010 4:55 pm Post subject: BI Claim |
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| well, mine was 2000 Sedan Honda and their was 2008 sedan Nissan. The BI claim was just a whiplash claim somewhere around 3K or so. Already bills are submitted. They ran thru medical records which I believe indicate non existance of injury before accident. Also the doctors reports specifies everything in detail. Now, I have complained to DOI |
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smith123
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| Posted: Wed Jan 13, 2010 11:35 pm Post subject: |
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Smith, did your vehicle have some prior damage in the area of impact? What exactly do they think they overpaid for?
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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 Jan 13, 2010 11:40 pm Post subject: BI Claim |
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| No prior damage. That's what I am trying to figure what exactly they are doing? Whether they want to stall the BI claim for some reasons? |
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smith123
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| Posted: Wed Jan 13, 2010 11:41 pm Post subject: BI Claim |
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| From what I was told, they are looking at the impact of the vehicle that hit mine. They are only going by photographs I believe, since it's 4 months past now. I am not sure what else they would look at? |
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smith123
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| Posted: Wed Jan 13, 2010 11:48 pm Post subject: |
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| Quote: | | Whether they want to stall the BI claim for some reasons? |
No that's not it, the ONLY good claim to an adjuster or an insurance company is a CLOSED claim...so I can all but guarantee that's not it..
The only thing I can think of is like I said, 'low impact' injury...how much was the damage to your vehicle and what was repaired or replaced? and if they are only going from pictures, they need to get someone under the front of their insured's vehicle, a urethan cover can show little to no damage, but have damage to the aborber, and/or rebar, even a rail
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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: Thu Jan 14, 2010 3:23 am Post subject: BI Claim |
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Thanks Lory,
They paid around 3K or so since it;s old car. Well, BI claim I submitted was around 3K , I submitted more but the adjuster says they do not consider future claims. Also I have some pain on one leg at hips due to direct impact. I havent even diagnosed, i thought it will go away on it;s own, but it often pains. I just went for neck and back treatment, as I wanted to keep things simple on injury claim. |
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smith123
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| Posted: Wed Jan 27, 2010 11:44 pm Post subject: BI Claim low |
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Hi Lori,
They say that the damage to their insured vehicle was minimal, only license plate was damaged, so they are only offering me $ 500. |
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smith123
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| Posted: Thu Jan 28, 2010 12:59 am Post subject: |
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is this from pictures? Didn't your vehicle total? They cannot 'wholely' determine an injury from only their insured's vehicle damage.
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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: Thu Jan 28, 2010 2:00 am Post subject: BI injury |
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Hi Lori,
thanks for the reply. as far as I know the claims adjuster only referred to pictures. my vehicle totalled, yes. What can i do to atleast get the medical bills that I paid recovered? I have no prior injury. But they say that the medical bills may not be related to their drivers fault |
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smith123
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| Posted: Thu Jan 28, 2010 12:02 pm Post subject: |
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I know that your vehicle totaled..but what damage was done to your vehicle? The rear bumper, deck lid, tail lamps? What was damaged? There was an estimate written in order for them to total your car...see if you can find that.
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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: Thu Jan 28, 2010 9:56 pm Post subject: Bi Claim |
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Hi Lori,
I am not sure what damage but that includes rear bumber, some parts inside, truck. Trunck was not opening, until it was fixed. But I wanted to know whether they can come with specific information as to what would be the vehicle damage that they deem appropriate and what would be the Bodily Injury and make a final adjustment. Now, they are completely denying Bodily injury stating that the vehicle that hit mine is not damaged, it has only scratch on license plate. What is the remedy for me, I have already complained to DOI, before they offered me $ 500 for BI. Should I hire attorney? |
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smith123
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| Posted: Fri Jan 29, 2010 12:08 pm Post subject: |
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I don't understand how the license plate is ALL that is damaged on their vehicle, and your's is totaled...
First off it they are looking ONLY at pictures...it might appear the licesen plate is all that is damaged...
If I were you I'd tell them that you'll give them one more opportunity to get there insured vehicle into a shop up on a lift, or their cover off, or send someone to look at it that knows what they are looking at, because this is impossible...unless your vehicle was damaged prior to this loss, this is physically impossible. what is possible is for a car with a urethan cover to hit you, and someone to take a picture, (and not a good one) and for it to look like that's all that's damaged..those covers can fold in two and pop right back out leaving a mess behind them to the rebar, perhaps even into the core support...this is just stupid..and/or yes an attorney is the only way you'll get anything it sounds like...You need to be absolutely SURE about the damages to your car were caused by this loss.
_________________
"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 Feb 02, 2010 8:35 pm Post subject: BI Claim |
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Hi Lori,
thanks again for your help. I asked them to share their vehicles pictures. They say that they wont share those pictures with me. Can you tell me how do I request them to justify rejection of the medical claims? They have the doctors narrative which clearly states that the injury was caused due to accident, they have run thru my medical history. Whether their car bears any damage or not, my injury certain caused by the accident is what I wanted to proove |
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smith123
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