I was wondering if any of you could help me out a bit here....
I went on a college ski trip up in the northern California mountains and drove there myself..on the way back, my car was rear ended by another car.
I ended up a bit of a neck problem...couldn't move my neck to the right (which was just absolutely convinenet for driving...:/ )
I went to a doctor and he told me to do physical therapy..which was $30/pop copay 2x a week for 6 weeks..ALso, the doc told me to apply hot/cold packs twice a day for a few weeks.
Well, since with my financial aid for college I could barely afford extra clothes for fun, I didn't do the physical therapy. I did, however, ask a friend who is going to physical therapy school and almost graduated what I should do and she told me that my injury was quite common and not that severe, and gave me some excersizes to do and told me that I shouldn't be driving and that I should get rides or use public transportation
As a result, I only went to the doctor once time officially, and only spent money on that one visits and all my ice/hot packs.
I was also taking an art class ( I am going to school to be an art teacher/art therapist) and was paiting big murals.
I couldn't paint the big murals due to my neck problem, so I withdrew from my class, thinking that I would take it next semester.
I ended up having to take that art class in the summer to meet a deadline, and as a result, could only work part time.--totally didin't forsee that!
I also spend lots of money on subway/bus fare, which costs 2x as much as driving in my metropolitan city.
I filed a clain with Liberty mutal for the cost of the ice/hot packs and the loss of wages, subway/bus fare. and also a hundred or so for "pain and suffering"
Now, Liberty mutal is only willing to give me $500 for my "Alleged problems"--the insurance adjuster was VERy rude and implied that I was making everything up.
I faxed the insurance adjuster reciepts of my ice/hot packs, subway fare reciepts, and loss of wages and one doctor visit.
I estimate my loss to worth at least several thousand.
In retrospect, I should have just asked the Liberty Mutal Company to give me some money for my estimated physiotherapy costs, but they avoided telling me about that route.
Now, I know that insurance adjusters only given a range to work with, and that that $500 is probably the low end of that range.
My Adjuster refuses to pay for *loss of wages*, *subway fare* and the majority of my ice/hot packs, which were $14/a pack!
How do I get her to give a higher range?
I honestly believe that had I gone to physical therapy, I would have healed just the same amount of time...only i would have more to prove my case : (
I went on a college ski trip up in the northern California mountains and drove there myself..on the way back, my car was rear ended by another car.
I ended up a bit of a neck problem...couldn't move my neck to the right (which was just absolutely convinenet for driving...:/ )
I went to a doctor and he told me to do physical therapy..which was $30/pop copay 2x a week for 6 weeks..ALso, the doc told me to apply hot/cold packs twice a day for a few weeks.
Well, since with my financial aid for college I could barely afford extra clothes for fun, I didn't do the physical therapy. I did, however, ask a friend who is going to physical therapy school and almost graduated what I should do and she told me that my injury was quite common and not that severe, and gave me some excersizes to do and told me that I shouldn't be driving and that I should get rides or use public transportation
As a result, I only went to the doctor once time officially, and only spent money on that one visits and all my ice/hot packs.
I was also taking an art class ( I am going to school to be an art teacher/art therapist) and was paiting big murals.
I couldn't paint the big murals due to my neck problem, so I withdrew from my class, thinking that I would take it next semester.
I ended up having to take that art class in the summer to meet a deadline, and as a result, could only work part time.--totally didin't forsee that!
I also spend lots of money on subway/bus fare, which costs 2x as much as driving in my metropolitan city.
I filed a clain with Liberty mutal for the cost of the ice/hot packs and the loss of wages, subway/bus fare. and also a hundred or so for "pain and suffering"
Now, Liberty mutal is only willing to give me $500 for my "Alleged problems"--the insurance adjuster was VERy rude and implied that I was making everything up.
I faxed the insurance adjuster reciepts of my ice/hot packs, subway fare reciepts, and loss of wages and one doctor visit.
I estimate my loss to worth at least several thousand.
In retrospect, I should have just asked the Liberty Mutal Company to give me some money for my estimated physiotherapy costs, but they avoided telling me about that route.
Now, I know that insurance adjusters only given a range to work with, and that that $500 is probably the low end of that range.
My Adjuster refuses to pay for *loss of wages*, *subway fare* and the majority of my ice/hot packs, which were $14/a pack!
How do I get her to give a higher range?
I honestly believe that had I gone to physical therapy, I would have healed just the same amount of time...only i would have more to prove my case : (