by Guest » Fri May 11, 2012 02:13 am
Back in September my mother was parked on the side of the road near our home. It's off a two lane road and there was more than enough dirt that she was parked on the side of the road, parked, car off.
She was on the phone, and a man strayed off the road going about 50mph and ran into her.
Car was totaled (bent frame). Her car was valued at near 12,000 at the time.
She had a joint loan with her boat and car with the bank. The bank ended up only giving her 3000, instead of the full 12000. So she went from having a nice car, to having to buy a 12 year old car.
On top of that, her medical bills are roughly 17000, no lost wages, rental car paid, and the car being totaled but bank gave her 3000.
She partially tore her rotator cuff in her shoulder and partially tore her bicep and her back came out of alignment. She was required to visit a chiropractor for 7 months.
The first 3 months, she would visit 3 times a week. The second 3, 2x a week. And the last month, was once a week.
Also factor in, that my mother lives 50 miles from the closest chiropractor. Which would not what she would have to pay in gas come into some kind of factor for every visit ?
And, then, while her lawyer is currently dealing with the other guys insurance, we were just wondering what the possible claim could be worth?
Other smaller factors, my father passed just 6 months before the accident, mother is going through bankruptcy as well. (Emotional factors)
Thanks for any input.
She was on the phone, and a man strayed off the road going about 50mph and ran into her.
Car was totaled (bent frame). Her car was valued at near 12,000 at the time.
She had a joint loan with her boat and car with the bank. The bank ended up only giving her 3000, instead of the full 12000. So she went from having a nice car, to having to buy a 12 year old car.
On top of that, her medical bills are roughly 17000, no lost wages, rental car paid, and the car being totaled but bank gave her 3000.
She partially tore her rotator cuff in her shoulder and partially tore her bicep and her back came out of alignment. She was required to visit a chiropractor for 7 months.
The first 3 months, she would visit 3 times a week. The second 3, 2x a week. And the last month, was once a week.
Also factor in, that my mother lives 50 miles from the closest chiropractor. Which would not what she would have to pay in gas come into some kind of factor for every visit ?
And, then, while her lawyer is currently dealing with the other guys insurance, we were just wondering what the possible claim could be worth?
Other smaller factors, my father passed just 6 months before the accident, mother is going through bankruptcy as well. (Emotional factors)
Thanks for any input.
Posted: Wed May 23, 2012 07:17 pm Post Subject:
Now your just talking with a thumb up your ass.
As a son, you have no idea what age I am, or what I am doing to help her. To be a good son, now instead of answering anything I truly asked, you simply went on a rant about the insurance and bank.
That was answered the first response, you could of moved on. I see instead of helping people, you get a quirk about telling them how they are wrong.
Posted: Wed May 23, 2012 11:05 pm Post Subject:
Nobody has said you are wrong. You simply don't want to accept the reality of the situation your mother is in.
As a son, you have no idea what age I am, or what I am doing to help her.
You're quite right. But that's entirely beside the point.
You began this discussion with a complaint that the bank could have taken all of your mother's insurance settlement and applied it to her loan balance, and said your mother "would of [sic] been without a car."
Your mother chose to refinance two unrelated debts into one. No one forced her to do that, and now you're upset about the outcome. That may be understandable but . . .
Third time's a charm. You refuse to answer the all-important question:
"Who's responsible for your mother having a car?"
I fail to see what you are complaining about. The bank did not consume all of her settlement toward the loan, as it was entitled to do, and appeared to have apportioned the payment to the combined assets, but you still seem to believe someone owes your mother a car. She received a payment for the ACTUAL CASH VALUE of the vehicle (but since she has a lienholder, that party received the check as an additional insured). That's the only responsibility the insurance company had to your mother.
What more do you want? What don't you understand? Owning a vehicle and being able to drive it on the public highways is a privilege, not a right or entitlement. Your mother used the remaining cash to make a down payment on another ("12 year old") vehicle, so you'll be able to sleep at night knowing she is not without a car in rural America. You're wasting your time discussing "what ifs".
Or you and your mom can vote for Obama in November . . . maybe he'll give her a new one for free. He thinks that's the way to prosper the USA.
Posted: Wed May 23, 2012 11:19 pm Post Subject:
I'm sorry. After rereading your original post, in which you asked, "What would my mother's claim be worth?" the answer to that is . . . no one here can tell you the answer to that question.
She received a payment for the damage to her vehicle, she is entitled to medical payments. If she wants to argue about pain and suffering, it will probably have to head toward trial.
You have an attorney who won't answer your questions? What does he have to hide? Get a new attorney and take your mother to a real DOCTOR -- preferably an orthopedic surgeon. A chiropractor will do nothing for your mother to heal the injuries you say she has other than pocket the money she pays him.
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