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?
Posted: Tue Feb 18, 2014 01:29 pm Post Subject:
Teacher? More like Bully. Be kind. Sarcasm not wanted from you or tcope.
Posted: Tue Feb 18, 2014 06:20 pm Post Subject:
How does a person grow up to be so obnoxious?
Posted: Tue Feb 18, 2014 08:06 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!
Posted: Wed Feb 19, 2014 12:56 am Post Subject:
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?
Posted: Sun Feb 23, 2014 07:58 am Post Subject:
What, I'm gone for a couple years and find that people are still beating up people for supplying information, just because they don't like the information.
If you read tcope's first post, he is only supplying you insight as to why the insurance company is not paying you want you want. Tcope and others supply people information on this site to attempt to provide insight and help. I understand that this was your accident and is the reason that it is personal. To tcope, it is just another claim. Information can be blunt, but is usually spot on.
As for the shot to your attorney, I am assuming it is because most only are in it for the money and could care less for their clients. That added with the fact that many of these claims could be settled without an attorney where the claimant could end up with more money in their pocket in the end.
Finally, I gald to see your claim settled.
Posted: Sun Feb 23, 2014 07:06 pm Post Subject:
while hiding behind a computerI have nothing to hide -- which is why I put my CA insurance license number in plain view for all to see. I won't bore you with the details of the numerous persons who have asked for my advice in handling their auto collision/injury claims and have been quite successful in resolving their claims WITHOUT an attorney, putting an extra 30% to 40% into their own bank account, and not that of an attorney.
The problem that some folks have, like Dasfuk points out, is that because their situations are personal, they want a shoulder to cry on. We can empathize with such feelings, but this is not a pity-party website. We post, for the most part, objective responses based on limited information and prior experience in a much broader context than just one person's accident.
When people don't get the answer they were hoping to receive, they frequently become agitated, as gagirl apparently was, and refuse to listen or accept the information provided. There are a number of such threads on this website.
Posted: Wed Feb 26, 2014 08:30 pm Post Subject:
I think it is funny people come on here and ask our opinions and when they don't like them they get all upset and mad because it is not the answer they wanted.
Posted: Wed Mar 19, 2014 09:41 pm Post Subject: Ex Insurance Agency Owner
It seems a lot of people have two dreams in life, win the lottery or win a law suit. A thousand times I have seen some one sue and the auto insurance cover medical bills and car damage of which the lawyer gets a third and the claimant is out a third.
Posted: Wed Mar 19, 2014 09:43 pm Post Subject: Claims
Remember if the lawyer just writes a letter to the insurance company your going to pay a third of the claim to the lawyer.
Posted: Fri Mar 28, 2014 05:00 pm Post Subject:
Like fear of income taxes, people believe that insurance companies never pay claims or never pay the correct amounts.
This is simply a matter of lack of knowledge and understanding of the process. Most insurance companies do a very good job or handling claims, but because people are involved on both ends, there can be occasions when two or more people do not see eye to eye. Communication becomes argument, and sometimes nothing gets resolved.
Insurance claimants are often too emotionally connected to the loss to be able to view the situation objectively. The insurance companies do not deal well with emotional outbursts because they have a contract to honor, and many insurance contracts have little in the way of emotional comfort to provide. Instead, it's all "matter of fact" and subject to definitions and exclusions.
Sadly, most folks, including insurance agents, fail to read and understand the contracts they own (or sell), and have no idea, for example, that the insurance company might consider exposure to carbon monoxide to be excluded from coverage in a homeowners policy under the definition of "pollutants". I might think that's absurd, but if it's in the contract, I must either accept it or go looking for another contract that doesn't have that kind of an exclusion.
When it comes to getting a lawyer involved in an insurance claim situation, that time should come when all communication between the insurance company and the claimant breaks down. As long as the two parties are talking reasonably to each other, lawyers should not be involved. Just be mindful that there is also a statute of limitations that must be respected, and that determines the maximum amount of time one has to file a legal action against another party or their insurance company, depending on the circumstances. The statute of limitations for breach of contract might be longer or shorter than the statute of limitations for torts.
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