N
nokids6
Guest
I live in Illinois.
My husband and I were in an auto accident in January. The other driver failed to negotiate a curve due to snow on the road and hit us head on. No tickets were issued. We both have insurance, but we were told that it was clearly the other driver's fault. Our insurance company had all the hospital and doctor bills sent directly to them to be forwarded to the other insurance company. None of them have been paid, and we are now starting to get threats about being turned over to collection.
Our vehicle was totalled and we were given a check for it within 3 days.
I had a back injury and was off work for 1 week.
My husband ended up with a shattered knee cap and had to have half of it taken out. He was off work for 3 months. He was released back to work and after a week, his knee gave out while walking down our front porch stairs. He landed directly on it and undid all of the repairs that were done. He had to undergo the same surgery again. He was off work another 3 months. He has been told that he has a 50% chance of having to have his knee cap replaced in the next couple of years. He was told that after the 1st surgery.
We did not get a lawyer. Now it has been almost a year since the accident, and the insurance company is calling us on Monday to set up an appointment to talk about a settlement. We would like to go into this armed with knowledge of what we should expect. We are not seeking a huge settlement, but want to make sure that we get our medical bills paid, our lost wages paid and we are very concerned over what will happen in the future with his knee. What about the cost of future surgeries & rehab?How can we protect ourselves in case he is unable to work in the next couple years because of knee replacement? We have 6 very active kids that he needs to be able to keep up with and support.
Does anyone know of a similar incident? I don't want to jump into accepting an offer that may leave us without options in the future. Is it too early to settle??
Any advise you can give us would be appreciated.
My husband and I were in an auto accident in January. The other driver failed to negotiate a curve due to snow on the road and hit us head on. No tickets were issued. We both have insurance, but we were told that it was clearly the other driver's fault. Our insurance company had all the hospital and doctor bills sent directly to them to be forwarded to the other insurance company. None of them have been paid, and we are now starting to get threats about being turned over to collection.
Our vehicle was totalled and we were given a check for it within 3 days.
I had a back injury and was off work for 1 week.
My husband ended up with a shattered knee cap and had to have half of it taken out. He was off work for 3 months. He was released back to work and after a week, his knee gave out while walking down our front porch stairs. He landed directly on it and undid all of the repairs that were done. He had to undergo the same surgery again. He was off work another 3 months. He has been told that he has a 50% chance of having to have his knee cap replaced in the next couple of years. He was told that after the 1st surgery.
We did not get a lawyer. Now it has been almost a year since the accident, and the insurance company is calling us on Monday to set up an appointment to talk about a settlement. We would like to go into this armed with knowledge of what we should expect. We are not seeking a huge settlement, but want to make sure that we get our medical bills paid, our lost wages paid and we are very concerned over what will happen in the future with his knee. What about the cost of future surgeries & rehab?How can we protect ourselves in case he is unable to work in the next couple years because of knee replacement? We have 6 very active kids that he needs to be able to keep up with and support.
Does anyone know of a similar incident? I don't want to jump into accepting an offer that may leave us without options in the future. Is it too early to settle??
Any advise you can give us would be appreciated.
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