What is the name of your state? Georgia
My husband and I were recently in a motorcycle accident that was ruled the other driver's fault. He passed in a no-passing zone, cut us off to get back in the lane (to avoid head-on collission), and immediately came to nearly a complete stop to turn into a narrow driveway. We didn't hit him - my husband laid the bike down to avoid the collision. He was arrested for DUI (drugs) and Terroristic Threats because he came out of his house with a shotgun and threatened everyone on scene.
So regarding my insurance settlement - I had multiple pelvic fractures, fractured elbow, and dislocated coccyx (tailbone). To avoid pelvic surgery, I had to be immobile for four weeks while the fractures healed to prevent misalignment. Med bills are about $9500, plus prescriptions, etc. My health ins isn't paying, but I am only being charged the negotiated rate, so what I actually owe is less than 2/3's of the total amount. I missed 7.5 weeks of work, my husband missed 5 weeks to care for me. As my doc said this week, I am much better, but a long ways from being fully healed.
Obviously, I expect the insurance company to base my pain and suffering on the TOTAL medical bills, not the negotiated lower rates. But are they required to do so? Or can they base it on the amount I actually owe?
And what is a typical multiplier for the pain and suffering for this type of injury? I had read between three and five, and then add the lost wages. His coverage limit is $50,000.
Thanks in advance!
My husband and I were recently in a motorcycle accident that was ruled the other driver's fault. He passed in a no-passing zone, cut us off to get back in the lane (to avoid head-on collission), and immediately came to nearly a complete stop to turn into a narrow driveway. We didn't hit him - my husband laid the bike down to avoid the collision. He was arrested for DUI (drugs) and Terroristic Threats because he came out of his house with a shotgun and threatened everyone on scene.
So regarding my insurance settlement - I had multiple pelvic fractures, fractured elbow, and dislocated coccyx (tailbone). To avoid pelvic surgery, I had to be immobile for four weeks while the fractures healed to prevent misalignment. Med bills are about $9500, plus prescriptions, etc. My health ins isn't paying, but I am only being charged the negotiated rate, so what I actually owe is less than 2/3's of the total amount. I missed 7.5 weeks of work, my husband missed 5 weeks to care for me. As my doc said this week, I am much better, but a long ways from being fully healed.
Obviously, I expect the insurance company to base my pain and suffering on the TOTAL medical bills, not the negotiated lower rates. But are they required to do so? Or can they base it on the amount I actually owe?
And what is a typical multiplier for the pain and suffering for this type of injury? I had read between three and five, and then add the lost wages. His coverage limit is $50,000.
Thanks in advance!