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Started By
Message
re: Insurance ppl, pain and suffering
Posted on 1/22/21 at 11:57 am to jacksajester
Posted on 1/22/21 at 11:57 am to jacksajester
I don't need a layer nor need money, but 300 seemed low and now that I said 1k I'm interested how this stuff works.
1
Posted on 1/22/21 at 11:57 am to TDsngumbo
quote:
Baw, you could have easily received a $50,000 settlement for that. EASILY. I’m not saying you deserved that much but it’s the reality of insurance settlements after accidents.
Assuming the person that hit him had more than state minimum policy.
Posted on 1/22/21 at 11:58 am to TDsngumbo
quote:
Get a lawyer and you’ll get a $8,000 settlement then get $5,300 after lawyer fees.
Not at this point, he already fricked himself.
Posted on 1/22/21 at 11:59 am to momentoftruth87
quote:
She made first offer of 300. I said can you go up? She said 500 w/o med papers. I said a few things, then said why not 1000? She chuckled and said shed need med papers. Which is fine its like 3 pages i can scan.
A couple years ago I got rear ended by a guy hauling a heavy arse trailer. He couldn’t stop in time and hit me going about 10-15mph. I thought it was crazy but I did have back pain after that only occurred when laying down. I was concerned something was wrong with my spine so I got it checked out. A quick X-ray and mri showed it was just muscular. I emailed the adjuster the receipts and she offered me $1,500 without even asking for it. I just wanted to be reimbursed from the doctor visit.
Posted on 1/22/21 at 12:00 pm to momentoftruth87
Get the E guarantee
Posted on 1/22/21 at 12:01 pm to Philzilla2k
quote:
Not at this point, he already fricked himself.
not unless he signed a settlement
Posted on 1/22/21 at 12:01 pm to CaptainsWafer
quote:
Assuming the person that hit him had more than state minimum policy.
If he has regular UM coverage, he could claim against that since it doubles as under insured motorist coverage in Louisiana.
Posted on 1/22/21 at 12:01 pm to TDsngumbo
I just used my insurance for ER. I told the lady that and they said they'd still get it. I said how? Hospital doesn't have any info from wreck. She was like, they'll still get us.
Posted on 1/22/21 at 12:01 pm to momentoftruth87
quote:
What's the end game here?
Are you arguing for actual damages or just trying to see how much money you can get?
Posted on 1/22/21 at 12:03 pm to Philzilla2k
quote:
Not at this point, he already fricked himself.
No he didn’t. Not at all. All an attorney has to do is present an argument that there’s a 50.01% chance that the injury was caused by the accident. An attorney would take that insurance company to pound town over that with no problem.
Posted on 1/22/21 at 12:05 pm to 777Tiger
It depends where the incident occurred (County/Parish can matter as much as State).
If I were you I'd at least contact an attorney to discuss course of action & potential value. You'll likely give away money if you do it alone.
Best of luck to you.
If I were you I'd at least contact an attorney to discuss course of action & potential value. You'll likely give away money if you do it alone.
Best of luck to you.
Posted on 1/22/21 at 12:06 pm to momentoftruth87
What's the end game here?
You could have gotten $5,000
You could have gotten $5,000
Posted on 1/22/21 at 12:06 pm to momentoftruth87
quote:
I just used my insurance for ER. I told the lady that and they said they'd still get it. I said how? Hospital doesn't have any info from wreck. She was like, they'll still get us
Here’s where you may end up NEEDING an attorney.
Health insurance finds out the er visit was due to an auto accident. Health insurance says frick that, another party is responsible. They reach out to the insurance company for the at-fault party and demand reimbursement. If you’ve already settled, there’s a chance you could be on the hook for the Bill. Not likely but it’s possible.
Posted on 1/22/21 at 12:07 pm to Lowndes45
quote:
It depends where the incident occurred (County/Parish can matter as much as State).
fact! ex., where I live(DFW metroplex,) you'll likely get more $ if you get hit in Dallas than Ft. Worth(assuming it goes to trial)
This post was edited on 1/22/21 at 12:09 pm
Posted on 1/22/21 at 12:11 pm to TDsngumbo
He would file under his UM not the third party as i read your reply.
Posted on 1/22/21 at 12:14 pm to momentoftruth87
If you actually had pain and suffering the fact that you are talking to the insurance company and not a personal injury attorney is mind blowing.
Now if you basically came out unscathed and are just jonesing for a little more cash from insurance I guess you are OK...but even in this instance there are PI attorney's out there that will take your case and probably get you more money.
Now if you basically came out unscathed and are just jonesing for a little more cash from insurance I guess you are OK...but even in this instance there are PI attorney's out there that will take your case and probably get you more money.
Posted on 1/22/21 at 12:14 pm to momentoftruth87
Get a lawyer and try to get as much as you can, if that's what you want. 1000 is nothing for a car accident.
Posted on 1/22/21 at 12:17 pm to momentoftruth87
quote:
I don't need a layer nor need money, but 300 seemed low and now that I said 1k I'm interested how this stuff works.
Former claim adjuster here. What's going on is they want the claim closed. The longer a claim sits open, the more money they have to reserve for payouts. Given you don't have an attorney and it appears you were just treated and released at the hospital, they know the injuries aren't severe. So they offered a settlement to get the claim closed. If you accept, they'll send you an agreement saying that with the settlement you waive any rights to seek additional settlement. SEnding the paperwork may get them to agree to the $1000, but that's no guarantee. Just know the people you're dealing with have been down this road 100s of times and know what they're doing better than you. If you don't have any lingering issues, $500 is more than fair, IMO.
Posted on 1/22/21 at 12:17 pm to 777Tiger
quote:
lawyer will take that on contingency and will get a lot more than that, opposition insurance lawyers even prefer that, takes dealing with an emotional vic out of the equation
Yep. Been thru it. Lawyer up. They will at least get $3K and you will get $2K.
Posted on 1/22/21 at 12:19 pm to momentoftruth87
Did you get hit before or after Jan 1, 2021?
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