What is the name of your state (only U.S. law)? Missouri
Hello - I was hit by a stop sign runner (he was 100% at fault) - pushed my car across three lanes of oncoming traffic and over a parking sign. My head hit the rearview mirror so hard, it was torn off the windshield. I had left to right neck whiplash, neck and shoulder pain, limited range of motion and right side extremity weakness, swollen area on head, headaches, CT scan, MRI, physical therapy, medication and ultrasound steriod therapy. I was discharged from PT to continue treatment at home. I am diabetic and a heart patient.
My husband who is 100% disabled had double bypass heart surgery shortly after my accident. Because of my injuries I could not assist him with daily activities, take him to appointments or bathe him. Home health care was assigned and required by his doctor to assist. I was limited in range of motion, the weakness in my right shoulder and arm were documented. I had difficulty driving, taking care of my home, myself; reaching and lifting or even doing my hair because of my injuries.
I documented the at-fault driver's breaches (failure to look out, avoid, stop, obey road signs, follow the rules of the road) and associated Missouri statutes. I documented that the negligence of the other driver caused my injuries, presented "but-for" causation, loss of essential services, loss of quality of life for myself and my husband and potential future medical treatment. All of the above was documented with medical reports/documentation.
The limits on the at-fault's policy is $25K. My car repairs were paid already
($6k). The adjuster is offering me $13K, but I have to pay my own medical out of that. Medical bills came to $6.3K, netting me $6.7K pain and suffering. He told me that he didn't value my pain and suffering at more than $6K. He told me that if he paid my medical he would cut me a check for what was left over ($6.7K). I asked for $38.5K but the limit is $25K. The adjuster wouldn't even go up to $17K.
Should (or can) my husband file a claim? What else can I say to this guy to make him compensate me fairly? I don't feel $6.7K is reasonable P/S for what I have gone through - not to mention my disabled spouse and my inability to care for him. I am trying not to do the lawyer dance because I need this settled shortly - my medical bills need to be paid before they come after me for payment. I threatened to go to the claims manager - the adjuster said he had more authority than the claims manager. The adjuster's job title is "Casualty Claim Desk Adjuster" (not even a senior). So how is that???
Can somebody help me? I need to deal with this guy so that I can get compensated fairly. Any ideas of what I can say to this guy to make him budge. Thanks, Moma G.
Hello - I was hit by a stop sign runner (he was 100% at fault) - pushed my car across three lanes of oncoming traffic and over a parking sign. My head hit the rearview mirror so hard, it was torn off the windshield. I had left to right neck whiplash, neck and shoulder pain, limited range of motion and right side extremity weakness, swollen area on head, headaches, CT scan, MRI, physical therapy, medication and ultrasound steriod therapy. I was discharged from PT to continue treatment at home. I am diabetic and a heart patient.
My husband who is 100% disabled had double bypass heart surgery shortly after my accident. Because of my injuries I could not assist him with daily activities, take him to appointments or bathe him. Home health care was assigned and required by his doctor to assist. I was limited in range of motion, the weakness in my right shoulder and arm were documented. I had difficulty driving, taking care of my home, myself; reaching and lifting or even doing my hair because of my injuries.
I documented the at-fault driver's breaches (failure to look out, avoid, stop, obey road signs, follow the rules of the road) and associated Missouri statutes. I documented that the negligence of the other driver caused my injuries, presented "but-for" causation, loss of essential services, loss of quality of life for myself and my husband and potential future medical treatment. All of the above was documented with medical reports/documentation.
The limits on the at-fault's policy is $25K. My car repairs were paid already
($6k). The adjuster is offering me $13K, but I have to pay my own medical out of that. Medical bills came to $6.3K, netting me $6.7K pain and suffering. He told me that he didn't value my pain and suffering at more than $6K. He told me that if he paid my medical he would cut me a check for what was left over ($6.7K). I asked for $38.5K but the limit is $25K. The adjuster wouldn't even go up to $17K.
Should (or can) my husband file a claim? What else can I say to this guy to make him compensate me fairly? I don't feel $6.7K is reasonable P/S for what I have gone through - not to mention my disabled spouse and my inability to care for him. I am trying not to do the lawyer dance because I need this settled shortly - my medical bills need to be paid before they come after me for payment. I threatened to go to the claims manager - the adjuster said he had more authority than the claims manager. The adjuster's job title is "Casualty Claim Desk Adjuster" (not even a senior). So how is that???
Can somebody help me? I need to deal with this guy so that I can get compensated fairly. Any ideas of what I can say to this guy to make him budge. Thanks, Moma G.