What is the name of your state? PA
I slipped and fell ..breaking my ankle on black ice that lurked under a coating of snow in a back parking lot of a closed Chiropractor's office. Ironic - I know anyway, I was at a local bar for about 2 hours - had 2 and half drinks, not much for me since I am tall and a bit over weight. So I was not intoxicated. On the way to the 7 Eleven which was on the other side of an intersection, I had two paths to choose from - 1) a visible icy sidewalk infront of the chiropractor's office- decently lit or 2) behind the chiropractor's office which seems to be lightly snow covered -also decently lit. I took the parking lot because it seemed the least risk. Arrived at the 7 eleven fine and on the way back I hit the icy spot and went down. After laying there for a few minutes, I call the cell of my boyfriend in the bar that I was returning to..no answer..grrr. then gathered myself up - in severe pain - hobbled back into the bar about 100 yards away. (Seemed like a mile) A friend who was leaving noticed my hobbling then helped me to the door to get my guy to leave. After several people asked me what happened we left - I was in pain - but too stubborn to go the ER right away. We went the next day - confirmed I broke it.
I spoke to a good friend of mine who does snow plowing in the area - he stated that local guys will not plow for him b/c he does not plow as often as he should nor does he allow for salt to be used. I don't have insurance since I recently became self employed. Four days later in a panic over how to pay the medical bills and lost wages, I called a few attorney's for advice and then I finally called the chiropractors office to report the accident. He called back and gave me the Insurance Claim # and the insurance person..who called almost immediately after the office did... asking questions and wanting to me to make an appointment to make a statement. Told the insurance person a bit of what happened - nothing that she would not find out later anyway and set the appointment. Later in the day - I finally spooken with one that instructed me to cancel the statement appointment and tell them that you are in the process of retaining an attorney. Did that...so here are my questions....
Here is the thing i think that the insurance company is going to try to discredit me b/c i was at a bar drinking prior to the fall. Right? Do you think they will claim that I was tresspassing b/c I took the path behind the Chiropractor's office instead of the visibly icy side walk in front of the office?
Do you folks think I stand a snow ball in hell chance at a claim? any thoughts ideas or suggestions are welcome...
I am just an average person - working hard at trying to make a living for myself.
I slipped and fell ..breaking my ankle on black ice that lurked under a coating of snow in a back parking lot of a closed Chiropractor's office. Ironic - I know anyway, I was at a local bar for about 2 hours - had 2 and half drinks, not much for me since I am tall and a bit over weight. So I was not intoxicated. On the way to the 7 Eleven which was on the other side of an intersection, I had two paths to choose from - 1) a visible icy sidewalk infront of the chiropractor's office- decently lit or 2) behind the chiropractor's office which seems to be lightly snow covered -also decently lit. I took the parking lot because it seemed the least risk. Arrived at the 7 eleven fine and on the way back I hit the icy spot and went down. After laying there for a few minutes, I call the cell of my boyfriend in the bar that I was returning to..no answer..grrr. then gathered myself up - in severe pain - hobbled back into the bar about 100 yards away. (Seemed like a mile) A friend who was leaving noticed my hobbling then helped me to the door to get my guy to leave. After several people asked me what happened we left - I was in pain - but too stubborn to go the ER right away. We went the next day - confirmed I broke it.
I spoke to a good friend of mine who does snow plowing in the area - he stated that local guys will not plow for him b/c he does not plow as often as he should nor does he allow for salt to be used. I don't have insurance since I recently became self employed. Four days later in a panic over how to pay the medical bills and lost wages, I called a few attorney's for advice and then I finally called the chiropractors office to report the accident. He called back and gave me the Insurance Claim # and the insurance person..who called almost immediately after the office did... asking questions and wanting to me to make an appointment to make a statement. Told the insurance person a bit of what happened - nothing that she would not find out later anyway and set the appointment. Later in the day - I finally spooken with one that instructed me to cancel the statement appointment and tell them that you are in the process of retaining an attorney. Did that...so here are my questions....
Here is the thing i think that the insurance company is going to try to discredit me b/c i was at a bar drinking prior to the fall. Right? Do you think they will claim that I was tresspassing b/c I took the path behind the Chiropractor's office instead of the visibly icy side walk in front of the office?
Do you folks think I stand a snow ball in hell chance at a claim? any thoughts ideas or suggestions are welcome...
I am just an average person - working hard at trying to make a living for myself.