re: How Screwed Am I???

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About 5-7k should settle it. Sorry, but that's how they roll.

Been there had that done to me.

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Yep, they call these nuisance cases at least that is what my insurance agent told me. I was a benefactor of this and didn't even try. About 10 years ago I got rear ended by a guy that had progressive insurance. Did a little damage to the back of my truck. It was a pretty hard lick and I felt a little tightness in my back. I went to my personal doctor just to make sure everything was ok. He told me to just take it easy for a few days and this was on a tuesday evening. I ended up taking the rest of the week off of work. When progressive contacted me I told them all wanted was my 3 days lost wages. Dr visit and meds ( probably 150 bucks ) not sure I used my insurance and I wanted my truck fixed. I even took my truck to one of their preferred shops to speed up the process. They fixed my truck and sent me a check for close to 5000 dollars. I called them and asked if that was correct and they said that is what they calculated my losses as. No way was I asking for that, but I wasn't going to argue. My agent says insurance companies do that in accidents like that basically to make people go away.