Advice on a settlement regarding auto accident

[Pressing-On]

Originally Posted by Esther

Sorry to hear you were in an accident. Don't rush to any settlements.

You will be amazed at how often neck injuries don't show up as long lasting. I was in a very small fender bender when I was 12 and to this day have trouble with my neck. So Jeff the size of the dent doesn't indicate the damage done.

I agree fraud is wrong, but I also agree that when injured you have a right for settlement.

I was nearly killed in a head-on accident. Although the courts awarded me $500,000.00 I never saw a penny of it. The drunk driver didn't have any insurance nor money and skipped out instead of coming to court.

Good luck, and I pray that you get what is right for you.

Thank you, Esther!

The insurance company is saying they do not do "open ended medical insurance". So, on that note, I'm not sure where to go from there. My neck and lower back still hurt.

Would the doctor I choose to check this out give me more direction on the way to go with a settlement, if I need one? I certainly don't want to be dishonest, but I'm listening to so many say the same you did about a neck injury. I just don't know how to handle this one.

I don't want to be left holding the bag, medically, on something like this. It wasn't my fault!

[Pressing-On]

OH, SNAP!!! I'm getting ready for church since I'm Apostolic and I CAN'T FIND MY NECK BRACE!!!!!!!!!!!!!!!!!!!!!!!!!!

[ILG]

Originally Posted by Pressing-On

OH, SNAP!!! I'm getting ready for church since I'm Apostolic and I CAN'T FIND MY NECK BRACE!!!!!!!!!!!!!!!!!!!!!!!!!!

That's too close to NECK LACE, don't you think???

[Pressing-On]

Originally Posted by ILG

That's too close to NECK LACE, don't you think???

They made me take it off at the door!!!!

Okay, I had my 4th acupuncture and spine manipulation treatment today. I am feeling sooooooo much better. Have two or three more sessions to go.

Truck goes into the shop this coming Monday! Hope they do a good job!

Hopefully, we will get another truck for the rental. My husband will be pretty put out if they don't. We have company coming in for a couple of weeks and he needs to hook up his boat!!

[GrowingPains]

Originally Posted by Pressing-On

I wasn't going to post anything, but now I'm in pain!!! I was taking it easy this morning, but had to take care of things, dinner, etc. and now I'm in pain.

We were rear-ended on the way to church Sunday. Not sure, as yet, if the frame on our truck has been bent. It knocked the dash off and the front seats are tilted back. We were able to punch the dash back into place in order to operate the air conditioner, but the stereo is still protruding.

My husband was turning left, had his blinker on, saw the woman behind us keep coming and punched the gas, but it was too late! The ambulance took me to the hospital for a scan of my neck and back.

I can't get the police report until Friday and so I am asking if anyone has experience in what I should ask for. I'm thinking I may want to see a Chiropractor.

Everyone is telling me to seek a settlement for medical attention, as well as, for the truck.

I want to study this all out before Friday - any input would be most appreciated! TIA!!

Your ambulance ride after the accident helps your case. Continue to save medical bills. Do you have prior back injuries? Those will be scrutinized if so.
Obtain a personal injury attorney -- or negotiate on your own. Best with an attorney, but they also claim much of your money. Any time off work, document it. Any other inconveniences, document it. How has this affected your quality of life? Document it. Build your case. All medical bills are usually paid without question. Your Bodily Injury settlement is where negotiation happens. The ball is in your court, and you do not have to accept an initial offer.

[Mercy]

Originally Posted by Tina

Make sure you get open ended medical coverage for any related injuries, no matter what.... neck/back problems could be lifetime issues. My sister was in a wreck about 4 years ago, and still has very serious neck problems related to it.

I will pray that God will ease the pain you are having.

I was pretty much going to type the same thing.

[Pressing-On]

Originally Posted by GrowingPains

Your ambulance ride after the accident helps your case. Continue to save medical bills. Do you have prior back injuries? Those will be scrutinized if so.
Obtain a personal injury attorney -- or negotiate on your own. Best with an attorney, but they also claim much of your money. Any time off work, document it. Any other inconveniences, document it. How has this affected your quality of life? Document it. Build your case. All medical bills are usually paid without question. Your Bodily Injury settlement is where negotiation happens. The ball is in your court, and you do not have to accept an initial offer.

Thanks for all of your advice!

I'm working with USAA in San Antonio. I used to work in the legal department there and they are very fair. I've talked to the agent who is handling everything and thus far, I feel I don't need an attorney.

I don't have any prior back problems. I am saving everything and my doctor is going to write out a good report and a detailed list of everything.

The insurance agent told me that they expect that I would see a doctor and that they will pay.

I just hope the repair place will do our truck justice. We still are not certain if the frame is bent. The guy told me he won't be able to tell until he takes off the bumper and he didn't want to lower the tailgate as he knew he wouldn't get it back up. We will find out next week.

[Pressing-On]

Originally Posted by Mercy

I was pretty much going to type the same thing.

USAA said they do not do an "open ended" medical coverage.

[Esther]

Originally Posted by Pressing-On

USAA said they do not do an "open ended" medical coverage.

In that case I would have to go with worse case scerio and plan for additional medical cost.

They could save that money IF they had the open-ended medical coverage.

Otherwise, you will be left holding an empty bag.

[rgcraig]

PO,

I hope that "shelf thing" the other night didn't further your injury!