What is the name of your state? Michigan
On a random monday morning, my brother and I were on our way to work. We had a stop to make before work so we exited the expressway and turned east. We had to make a left hand turn about 300 yards later. There was oncoming traffic so we stopped and waited for it to clear. As we waited we were rear ended at around 60mph by a woman in a car. We never saw it coming. It seems, as stated on the police report, that she was 1) late for work. 2) on her cell phone. 3) not paying attention.
My brother and I both had our heads shatter the back window of my truck resulting in concussions and some pretty nasty neck pain for the both of us. We both missed a week of work and still get some headaches. I also have some pain at the base of my skull which I thought would go away but as of yet has not. I will be getting checked out again on monday. My insurance company said they would compensate for loss of wages and medical bills if I pay my $300 deductalble.
My truck was totaled. My insurance company estimated the value of my truck at $7,900. I owe $8,300 on it still. It has been estimated by kelley blue book and NADA at at least $10,000. My insurance company will not negotiate this settlement. My only option is to hire an appraiser out of my own pocket to investigate and negotiate with their hired appraiser.
I feel a bit railroaded on this whole deal. I did nothing wrong. Ive been without a vehicle for 2 weeks. As it looks, I will have to end up paying for the appraiser, medical deductable, and a down payment on a new vehicle. Thats going to total at least $2000. My girlfriend and I have a 9 month old baby. We work very hard and do not have extra money just laying around. Especially, money that we have to spend due to the neglegence of someone we don't even know.
I've never been in a car accident before. I have no idea what my rights are. I feel like there must be something I can do. I'm not looking to get rich or anything. I just want the situation to be like it never happened. I thought that's why we carried insurance. I've been told so many different things about michigan no fault that I don't know what to do. Sorry for the extremely long post. Please help and thanks in advance.
On a random monday morning, my brother and I were on our way to work. We had a stop to make before work so we exited the expressway and turned east. We had to make a left hand turn about 300 yards later. There was oncoming traffic so we stopped and waited for it to clear. As we waited we were rear ended at around 60mph by a woman in a car. We never saw it coming. It seems, as stated on the police report, that she was 1) late for work. 2) on her cell phone. 3) not paying attention.
My brother and I both had our heads shatter the back window of my truck resulting in concussions and some pretty nasty neck pain for the both of us. We both missed a week of work and still get some headaches. I also have some pain at the base of my skull which I thought would go away but as of yet has not. I will be getting checked out again on monday. My insurance company said they would compensate for loss of wages and medical bills if I pay my $300 deductalble.
My truck was totaled. My insurance company estimated the value of my truck at $7,900. I owe $8,300 on it still. It has been estimated by kelley blue book and NADA at at least $10,000. My insurance company will not negotiate this settlement. My only option is to hire an appraiser out of my own pocket to investigate and negotiate with their hired appraiser.
I feel a bit railroaded on this whole deal. I did nothing wrong. Ive been without a vehicle for 2 weeks. As it looks, I will have to end up paying for the appraiser, medical deductable, and a down payment on a new vehicle. Thats going to total at least $2000. My girlfriend and I have a 9 month old baby. We work very hard and do not have extra money just laying around. Especially, money that we have to spend due to the neglegence of someone we don't even know.
I've never been in a car accident before. I have no idea what my rights are. I feel like there must be something I can do. I'm not looking to get rich or anything. I just want the situation to be like it never happened. I thought that's why we carried insurance. I've been told so many different things about michigan no fault that I don't know what to do. Sorry for the extremely long post. Please help and thanks in advance.