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09-14-2007, 04:48 PM
| | Junior Member | | Join Date: Sep 2007
Posts: 7
| | | Negotiating with insurance Adjustor - Maryland
I am in Md and had a terrible accident on Monday. I was driving my 4 month old baby to his daycare and then was heading to work. It was a terrible accident...My car was a total loss (estimated value came to $21000). My baby (crossing fingers) looks fine. I still look at him and cry (my poor little baby had to go through all this). I had terrible pain after the accident and briefly passed out. Both me and my baby were taken to emergency. I still have terrible neck, chest and knee pain. I went to my doctor today (after 4 days) for a follow up visit and she said that I need physical therapy, some more rest and maybe take another week off from work. The insurance adjustor from the other company had called me yesterday and said that he wanted to settle and that he would pay all the emergency bills, 4 days time off from work, 5 days of car rental and a couple more doctors visits for me and my baby. By then I didn't know that my doctor is going to give me a note for another week from work off. I have bad pain but was planning to go back to work on Monday...didn't want to use up all my sick leaves.
I am not sure how to go about talking about pain and suffering with the adjustor. Is there a set amount?...I have pain but I can certainly perform some physical activities and go to work. What would be the best way to go about it??? |
09-14-2007, 05:05 PM
| | Senior Member | | Join Date: Feb 2006 Location: Philadelphia, PA
Posts: 19,800
| | | DO NOT SETTLE NOW. Wait until your treatment is finished and you are feeling back to normal again. Then you submit all your medical bills to them at once and they will offer you a settlement. If you like it, take it. If not, consult an attorney. But in no circumstances should you try to settle now when you don't know what the long term damages (if any) will be.
It is ok to settle for your property damage, you just need to wait to settle your injury claim. |
09-14-2007, 05:15 PM
| | Senior Member | | Join Date: Mar 2006
Posts: 6,671
| | | I agree with ecmst12, don't settle now. You have no idea of your injuries less than a week after a major accident. While property damage is known or can be guessed at, your personal injury will take some time to develop. There is no rush and I promise the offer will not be less next time they talk with you.
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09-14-2007, 05:36 PM
| | Junior Member | | Join Date: Sep 2007
Posts: 7
| | | Thanks for the responses. I am not even sure if they are going compensate me anything for pain and suffering or any extra days off from work. I mean... I don't want to take more leaves if they are not going to pay me. How does the settlement for pain and suffering work? |
09-14-2007, 06:10 PM
| | Senior Member | | Join Date: Nov 2005 Location: South Cackalacky
Posts: 15,204
| | | You need to first find out how much liability coverage the at fault party has. You can't be compensated by the insurance company for more coverage than what the at fault party paid for.
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Originally Posted by arazi Quote: |
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09-14-2007, 09:44 PM
| | Senior Member | | Join Date: Feb 2006 Location: Philadelphia, PA
Posts: 19,800
| | Ooh I know this one, minimum in MD is 20k for BI  |
09-14-2007, 09:47 PM
| | Senior Member | | Join Date: Nov 2005 Location: South Cackalacky
Posts: 15,204
| | Quote:
Originally Posted by ecmst12  Ooh I know this one, minimum in MD is 20k for BI | I'm not near my dog grooming facilities, so I didn't have the information available. Thanks for remembering!!!!!!!!!!!
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My new signature:
Originally Posted by arazi Quote: |
I'll take you on one-to-one in a volcabulary test anywhere, anyplace, anytime.
| |
09-14-2007, 09:49 PM
| | Junior Member | | Join Date: Oct 2005
Posts: 24
| | Quote:
Originally Posted by ecmst12 Ooh I know this one, minimum in MD is 20k for BI | I;m just browsing through diff. posts here.. but what is "BI"? That's not brain injury is it?  |
09-14-2007, 09:51 PM
| | Senior Member | | Join Date: Nov 2005 Location: South Cackalacky
Posts: 15,204
| | | Do you own a vehicle? Its bodily injury.
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My new signature:
Originally Posted by arazi Quote: |
I'll take you on one-to-one in a volcabulary test anywhere, anyplace, anytime.
| |
09-17-2007, 11:22 PM
| | Junior Member | | Join Date: Sep 2007
Posts: 7
| | | My doctor has asked me to stay home all week again. My PIP coverage is only $2500 and my insurance said that they would pay me only upto $2500 in loss of wages and medical. I am going to exhaust everything just with the loss of wages...How would I go about claiming my medical??? |
09-17-2007, 11:25 PM
| | Senior Member | | Join Date: Nov 2005 Location: South Cackalacky
Posts: 15,204
| | | Are you done with your treatments?
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Originally Posted by arazi Quote: |
I'll take you on one-to-one in a volcabulary test anywhere, anyplace, anytime.
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09-17-2007, 11:27 PM
| | Junior Member | | Join Date: Sep 2007
Posts: 7
| | | No I am not...my doctor has asked me to get physical therapy which could continue for a few weeks. Do I need an attorney...Do they get negotiate something that I myself could not??? |
09-17-2007, 11:41 PM
| | Senior Member | | Join Date: Nov 2005 Location: South Cackalacky
Posts: 15,204
| | | Do you know how much liability the at fault party has?
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Originally Posted by arazi Quote: |
I'll take you on one-to-one in a volcabulary test anywhere, anyplace, anytime.
| |
09-17-2007, 11:55 PM
| | Junior Member | | Join Date: Sep 2007
Posts: 7
| | | I am not sure. I know that she has minimum $25000 property damage coverage...but the adjustor said that they have enough to pay for medical bills. I am not sure how much is enough though. |
09-17-2007, 11:57 PM
| | Senior Member | | Join Date: Nov 2005 Location: South Cackalacky
Posts: 15,204
| | | Bodily injury is separate from property damage. I'll have to look when I get to work, cause I'm too tired tonight. Until you know what your medical bills are, I can't really answer your questions. I'm going to venture a guess that their per person liability is $25000 or $50000.
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My new signature:
Originally Posted by arazi Quote: |
I'll take you on one-to-one in a volcabulary test anywhere, anyplace, anytime.
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