Nightmare Mediation from Rear End Car Accident

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PostPosted: Sat Feb 01, 2014 2:20 am   Post subject: Nightmare Mediation from Rear End Car Accident  

Well today I can honestly say I have been through a nightmare that would surpass hard labor childbirth. I was rear ended as I was exiting off the interstate coming home from work on June 27, 2011. This day changed my life forever. It has been 2 1/2 years since that day and I have over $35,000 in medical bills treating my soft tissue injuries. At the time of the accident, I was having some immune system disorder problems that I had been dealing with and seeking treatment for and was put on an immunosuppressive drug to try to help with the symptoms I was having. After physical therapy, chiropractic, 3 cervical spinal epidurals, I was still in chronic pain. My immune system problem was finally diagnosed as rheumatoid arthritis that had already started attacking my internal organs and caused abcesses resulting in two emergency abdominal surgeries just three months after the car accident. So here I am today, 1/31/14 and I am waiting on a referral to a surgeon who will operate on me to attempt to correct my neck injuries sustained in the car accident without being off of my immunosuppressive drug for a long period. The mediation today to try to settle my case was just unbelievable. The lady who hit me had an insurance policy with a $50,000 limit. In negotiations, my attorney was unsuccessful with demand letters for the $50,000. Today I was offered $22,000, then, $26,000, then, $30,000. I did not accept and could not believe that after 2 1/2 years of pain and suffering, my credit completely ruined from all the medical bills that I would be put in a position of feeling like I was in a boxing match and getting pounded. None of this was my fault, the lady who hit me was ticketed and has paid her fine and now her insurance company is fighting me in the most outrageous way. Is it normal for insurance companies to do this to accident victims with injuries? I am totally in shock and disbelief as to what I have been through and it is not over yet. It seems like it would be very cut and dry. She hit me. I have documented injuries that still have not been corrected and not sure if they ever will be. She was clearly at fault, but yet I am having to fight and get beat down by her big insurance company because they think they can wear me down. There should be a law against this type of unethical behavior by her insurance company. Accident in GA. Any suggestions?

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PostPosted: Sat Feb 01, 2014 6:05 am   Post subject:   

Most likely there is much more to the story. Most likely you have pre-existing conditions and it appears that these are what you were treating for. That is, I'm guessing the insurance company feels that much of your treatment is not related to the accident.



You can also be assured that the insurance company has probably paid around $30,000 to defend this claim. So it's not just a question of wearing you down.



Suggestions? You have an attorney. Discuss this with the attorney (that will be collecting 40% plus expenses off the top of the settlement.



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PostPosted: Tue Feb 11, 2014 10:05 pm   Post subject:   

Tcpoe is right sounds as if most of what is trying to be claimed injury wise the insurance carrier thinks that it is a pre-existing and unrelated to the loss with out having actually viewing your treatment records and having a IME of the records there is no way to really say if all injuries are related to the loss



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PostPosted: Mon Feb 17, 2014 2:39 pm   Post subject:   

tcope it appears that most likely you are an idiot and do not know what you are talking about. Never had a neck injury until I was rear-ended by the ticketed driver. It should not matter that I had an illness. It may be a tactic used by insurance companies to get out of paying for an accident. I am sure if this happened to your family member, you would feel differently.

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PostPosted: Mon Feb 17, 2014 5:36 pm   Post subject:   

As I said... you have an attorney you are paying 40% to plus expenses. You should be speaking to that person.



At this point the money is almost pointless. $50,000 minus 40% and expenses is probably going to leave you with $25,000. Your attorney will get the medical bills reduced but I'm guessing you still might only see $5,000 or so. This is if they pay the policy limits.



There are always two sides to every story. We've only heard yours. I've been around the block enough times to know an insurance company is not going to spent $30,000 and risk being sued again by their own insurance just to maybe save $20,000. This is why I suspect they have what they feel is a good reason in not paying $50,000. I'm sure your attorney has told of this reason and I'm sure it was mentioned in medication. What is this reason?



I'm not trying to make you upset... I'm just pointing out, what appears to be, the hard reality of this situation.



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PostPosted: Tue Feb 18, 2014 1:55 am   Post subject:   

okay smartypants....we did get a settlement for $47,000. I don't know what your problem is, but from looking at this site it is for people to share insurance stories and get advice and information. You have not offered anything but a cocky attitude that I have had enough of. Get off of this site if you don't have anything constructive to say or something that would help someone. And for the record, I have been in constant contact with MY attorney. Mutual respect, appreciation and co-operation are expected from the community members.

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PostPosted: Tue Feb 18, 2014 2:58 am   Post subject:   

Quote:
You have not offered anything but a cocky attitude that I have had enough of. Get off of this site if you don't have anything constructive to say or something that would help someone.


LOL. Glad to know I'm not the only one who gets accused of stuff like this.



Quote:
And for the record, I have been in constant contact with MY attorney.
So why even bother to bring your matter here?



After all has been said and done, how much of your $47,000 settlement will you actually be able to take to the bank? Probably very close to tcope's assessment, I would think.



No one here was trying to berate you in any way. When you ask a question as you did, and an experienced professional responds as tcope did, based on his experience, your situation may not be exactly the same. But, why would the insurance company drag things out unless it doubted the veracity of your claim?



Having been convinced that their interpretation was incorrect, the insurance company settled with you. Could you have done this without an attorney. Probably. Just takes effort. How much effort did your attorney put into this? $20,000 worth? Probably not.


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PostPosted: Tue Feb 18, 2014 3:04 am   Post subject:   

And again,







Mutual respect, appreciation and co-operation are expected from the community members.



Too bad the so called "experts" can't follow the rules.....This is not a site for Smart A---s, or apparently it is. Sorry, you guys just continue to berate people. Your lives must be pathetic. Done.

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PostPosted: Tue Feb 18, 2014 3:21 am   Post subject:   

I simply offer you information you don't like and you respond as follows:

Quote:
tcope it appears that most likely you are an idiot and do not know what you are talking about.
Quote:
Mutual respect, appreciation and co-operation are expected from the community members.



Too bad the so called "experts" can't follow the rules.....This is not a site for Smart A---s, or apparently it is. Sorry, you guys just continue to berate people. Your lives must be pathetic.


I think someone needs to take a serious look at their own advice. Trust me... there is only one person here berating others.


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PostPosted: Tue Feb 18, 2014 3:54 am   Post subject:   

Again.... you have to have the last word and be nasty. Shame on you TCOPE.... Copy and paste ...lol..TRUST YOU???? I think not....if you are seriously on here to help people, you would not be SO RUDE....you must need the money. Hope this helps you!

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PostPosted: Tue Feb 18, 2014 4:11 am   Post subject:   

As I teach my insurance students, women live longer than men because they just have to get in the last word.



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PostPosted: Tue Feb 18, 2014 1:29 pm   Post subject:   

Teacher? More like Bully. Be kind. Sarcasm not wanted from you or tcope.

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PostPosted: Tue Feb 18, 2014 6:20 pm   Post subject:   

How does a person grow up to be so obnoxious?



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PostPosted: Tue Feb 18, 2014 8:06 pm   Post subject:   

MaxHerr I would advise you to quit while your ahead. You are doing nothing to help anyone. Like I said, be KIND. Help Others and treat them as you would want to be treated. You never know when something bad could happen to you like a car accident that completely changes your way of life or a life threatening illness. Be a blessing to someone today and Smile instead of exchanging nasty messages while hiding behind a computer. Have a Fabulous Day!

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PostPosted: Wed Feb 19, 2014 12:56 am   Post subject:   

Quote:
Like I said, be KIND. Help Others and treat them as you would want to be treated.


So are you saying you should not call people idiots and pathetic.... or are you the only exception to your rule?


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