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Comments
You do know he sent you there because they're likely to bill the highest amount for care and make your injury appear in ever so litigation friendly terms, right? Jeebus, wonder why our insurance rates keep going up... get you car fixed, and any LEGITIMATE injuries attended to, and move on....
THANK YOU! Hearing cases like this makes me want to puke! Great, an ambulance chasing lawyer finds someone who "might" be hurt and turns it in to a big payout.
Going slightly off topic here, I read an interesting article the other day that some hospitals and medical providers are moving to a different approach with malpractice cases. Instead of the "Defend and Deny" approach that turns every potential plantiff in to an angry plaintiff who will then hire these ambulance chasers, they're taking the apologetic approach. Simply admitting fault, apologizing, and offering a fair settlement. The places that have switched to this have seen significant savings.
my sentra was totaled, i dealt with it through my company (progressive) who gave me blue book value for the car, i was able to get the deductible back since the police report said it was the other guys fault and he was covered.
The posted speed limit WAS 60. but there are some little shops etc along the highway i was on and the guy pulling the trailer was pulling out of one of these.
when the lawyer contacted me, i was under the impression that she worked for the other insurance company and that they needed me to be examined so i didnt come back and sue them later or something. i found out later that this wasnt the case, but the dr i saw said i needed therapy (my back WAS sore in a couple of places)
im sorry if you guys think im some [non-permissible content removed] trying to scam the insurance company or something, but honestly i just didnt know what was going on. Who am i to argue with a dr? my back hurt and he said i needed therapy.
im not an expert on the subject like some of you people, thats why im in here asking.
I can see where everyone is coming from but I don't get that that is what you were intending. Just make sure that you got covered for your damage (you already did on the car) and move on.
I did say I was just curious. Usually, speed limits are reduced when a road has parking lot access to it but it's certainly not rare that rural roads maintain speed with such access.
tidester, host
SUVs and Smart Shopper
You mean I could have gotten 10K every time I fell down the stairs drunk when I was young? Dang, I could be rich by now.
2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible
I suspect that like professional sports, falling down drunk is a young man's game.
2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible
If your back is doing fine, then get reimbursed for the doctor bills. Don't be surprised if your medical insuranc company (if that is what you used to pay for the therapy), goes after the other driver to reimburse their expenditures.
Maybe I'm just stupid, but I fail to see how falling down will get him money...now, if the stairs were negligently maintained and he broke his writs falling THRU the wodden stairs, the apt complex is negligent, whether he was drunk or not...but, if someone just falls down for no apparent reason except clumsy, there is no negligence and no $$$
How much will you get? Just about enough to pay your new raised insurance rates for a couple of years with your new substandard company who will be charging you overpriced rates.
Bottom line: Insurance companies don't have any problem with someone suing to get reasonable reimbursment of legitimate expenses. But insurance companies also know who is running these doctor/lawyer/chiropractor mills for the purpose of pimping, er, puming out lots of money. (Yeah, they ARE pimping you.) Chances are, when they see the lawyer's name and the name of his/her doctor, they will know what is going on. Did you notice from the diploma which third-world country your doctor attended school at?
By the way, whatever money comes into play, your "Fast Eddie" lawyer will take a third, plus the doctor bills. Enjoy!
I think only lawyers can break their writs. Us civilians don't have that bone.
2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible
This is sometimes called goodwill coverage and it will indeed pay medical bills of someone who may have been injured on your premises, (possibly a friend or valued client) even though you were not at all negligent.
This allows you to stay on friendly terms with the injured party as the insurance will respond without a suit being filed and without admitting further liability.
After all, you would not want a friend or client running around with their writs broken !
See, insurance companies do have a heart ! It is immaterial that a small payment like this, along with a signed release, could also prevent a much more expensive lawsuit. Goodwill indeed, eh !!
2013 LX 570 2016 LS 460
liarlawyer just trying to make a living...:):):)There usually (always the cop-out words, like usually) has to be negligence on the part of the owner, but there can also be exceptions...if you simply fall down on my concrete because you are clumsy, ain't my fault...but if I put Crisco on my porch to get rid of annoying Jehovah Witnesses, I could be liable...(p.s. no problem with practicing their religion, but I get very angry when they try and cram it down my throat, and that is what they do)...
(straighten dent, blend in paint, 1996 Miata)
I was in an accident in Jan09, it was a 2 lane street (1 way east bd/1 way west bd)
There is a 53' trailer double parking on the wrong side of the street, as I try to pass thou the trailer but it suddenly move and backing up, I try to avoid the hit by going to my right but no room since there is car parking on the side. My car was hit on driver side rear door (deep) and rear quarter panel. My car was already 90% pass the container box, and got hit by the trailer back wheel. I had filed claim against the trailer driver insurance co. (country-wide) and the adjustor already check and quoted the price $4500 for the repair (my car is bmw 528 /2002).
I just receive settlement from country-wide stated they are only responsible of 50% of the damage ($2250) since they said I am 50% at fault....They argue that their client mentioned the trailer already in motion and i try to go pass it when their backing up....I think it is total non-sense & if the trailer is indeed in motion of backing up, the damage of my car should be the front instead of the rear. Question is at this point, can i still negotiate with the insurance co? If so how...?? Or this is the offer I had to accept and take $$ out my pocket to cover the rest of the repair.....I tell them every single pieces of info i had i even draw them a diagram of what happen that day...but didnt seem to work in either way for them to reconsider the price.....Pls help.....
tidester, host
SUVs and Smart Shopper
Tell the Judge, the driver moved the trailer after he backed into you so as to hide and conceal evidence of his being 100% at fault. Most laws require the backing vehicle to have the burden of safety and the driver should have been using his mirrors to notice you on the street. (What if that trailer had backed into a little kid on a bike, Country Wide would not offer only 50%, but pay all the damages)
Good Luck to you.
If you have collision insurance, let your own insurance company pay for the damage. Then it will be up to your insurance company to recover the cost from the trucking company.
There is a good chance your company will recover any deductible costs that you paid. Insurance companies are much more reasonable with one another than they are with each other's customers. Good luck.
I do have collision coverage on my own, but i dont want to go to mine just in case my company can't recover the full amount from country-wide...it's pretty sure my insurance will go up afterward...not worth it.....
Another thing in your favor is that the truck left the scene of the accident. The police should have taken note of that.
2013 LX 570 2016 LS 460
Comp/collision at this point isn't too much money and Liberty Mutual is quoting me $530 for a year for both cars. 250/500 bodily, 50k property, 5k med, uninsured/underinsured 100/300. I lost my notes and forgot if the deductible is $250 or $500. Towing/road side included. I want a bit more coverage than the minimums, but I don't need a huge umbrella either.
Next cheapest rate quote of the 8 I got online and by phone was another $152 a year from Travelers. I had a good experience with them last September when a Travelers' insured hit a rental car I was driving.
So, my question is, why keep the comp/collision? It's nice being able to get a windshield replaced or chip fixed and I like towing since I don't do auto clubs (never had occasion to use it though). I rent cars 2 or 3 times a year, so I need that coverage (although my VISA card claims it'll cover me). If the Quest gets totaled tomorrow, I don't really care (so long as no one gets hurt). The Outback is worth a bit more, but buying a new car wouldn't kill my finances either.
thanks,
Steve, visiting host
The above questions are just because I want to make sure I understand all the facts.
If the comp and collision for both cars for one year is a total of $530. which is the best case scenario from your perspective I think I would still be temped to drop the coverage. If it is actually costing more than that I would certainly drop it.
It is simply a decision you have to make as to whether you are able and willing to stand the small loss that you might have in the first couple of years. After that you are home free.
I am assuming that they are both paid for (no lien to satisfy) because of the age and that fact that Edmund's pays you guys so well !!
2013 LX 570 2016 LS 460
If it is truly $530/yr for full coverage on both cars, then I'd keep them covered in a heartbeat.
But, understand that I am used to NJ prices. I pay nearly that much for JUST my '93 Mazda pickup that I drive maybe 100 miles/yr with the absolute bare minimum of coverage!
My total policy for that plus our 2 daily drivers is in the $1800 range.
'11 GMC Sierra 1500; '98 Alfa 156 2.0TS; '08 Maser QP; '67 Coronet R/T; '13 Fiat 500c; '20 S90 T6; '22 MB Sprinter 2500 4x4 diesel; '97 Suzuki R Wagon; '96 Opel Astra; '11 Mini Cooper S
I used to always drop comp/collision when my cars got to be worth about $5k, but it's really not all that much to keep the coverage and get the towing and rental and glass coverage. I don't have good notes on the breakout, but I would save a bit over $100 a year I think. And we're long overdue for an accident around here.
No liens - when you drive cars into the ground for as long as I do, it's doable to just save up for your next one over a decade.
2013 LX 570 2016 LS 460
Quote; "250/500 bodily, 50k property, 5k med, uninsured/underinsured 100/300. I lost my notes and forgot if the deductible is $250 or $500"... Regardless of what you do with comp/coll, I would certainlt raise that $5K med, if you can and if it is affordable, to $50K or 100K...
Remember, even in a clunker 1971 Chevy Nova, barely worth $50 on a good day, the injuries you can suffer can be very expensive, so $50K medpay is always a good thought IMO...remember, also, my opinions are based on my "fault" state of GA, how no-fault states do it may be different, it may be called PIP...
Every online quote I got had the medpay here in Idaho maxed out at $5,000. We have great medical insurance but I would like my passengers to have some coverage if I run off the road going to the ski hill. I'll ask about the cost to bump that up in the morning.
Carry high limits of Liability including an Umbrella (who wants their wages tapped forever to satisfy a claim?)
Carry only Comprehensive with a $100 Deductible.
Add up your Collision Deductible, Premium for Collision, and Salvage Value.
You may be surprised to learn the above totals 50% of the Trade in value.
As for Medical, buy as much as you can. Here in WA, you can get up to $35,000 PIP.
And, for those who use the "I have health insurance" line, with so many losing their jobs they lose their insurance...so, while they may easily handle the occasional routine doctor visit, they cannot handle the trauma treatment required from an auto accident...so, since the liklihood of injury in a trauma like a car wreck ( much higher than falling off a roof, as you first must go up onto the roof to start with, and few of us do that), it (medpay) is the best form "limited health insurance" that could apply in the circumstance we encounter most...the auto accident, regardless of whose fault it is...
Jhinsc, a sledgehammer could total the van with about three swings.
Bob, my wife took early retirement from one career just to get the health insurance. So we're covered there (she's doubled covered at the moment with a primary and secondary policy). I'm sure we've received medical benefits totalling over $100k over the last two or three years with very outlay on our part. So, I'm guessing medpay would be of more benefit to our occasional passengers.
Towing: separate rider
Car rental coverage: separate rider (for YOU to rent a car...for the guy that you hit, it is part of your liability coverage, the mandatory part of 100/200/50...it is part of the "50". property damage...for you to have 30 days of rental, the rider is usually $25 yearly +/-...)
Rental reimbursement: same as car rental coverage...???
Depends on the insurance company. Many charge a separate premium for Towing and Road Service, but only if you buy at least Comprehensive.
Look into AAA of Idaho & see what they will do for you.
Thanks for the info!
Steve, visiting host
Bob, I was able to bump medpay to $25k but no more with this company with my other limits. The agent said he never gets a request to bump it from the usual $5k here. (Actually I get the feeling that $0 is common here). And it is medpay, not PIP (I think we had that in AK).
Final bill is $279.50 for six months.
We saving 10% with an alumni discount and the Subaru gets a break for being driven under 7,500 miles annually. The passive and active alarms and ABS on both vehicles may have factored in a little too. And they are garaged.
Thanks again for everyone's help.
Steve, visiting host