medievalsoldier
Junior Member
What is the name of your state? SC
About 3 months ago, my wife was involved in an auto accident (she was at a stop sign in our compact sedan and was rear-ended by a 15-passenger van going about 30 mph). The other driver was at fault. My wife had no serious injuries (by serious, I mean life-threatening or requiring surgery). However, she has had to go through about 12 weeks of physical therapy in order to relieve back pain. She has visited our doctor 3 times, and he has diagnosed her injury as whiplash. My wife does not have a permanent outside job; however, she typically babysits about 10-15 hours a week in order to bring in some extra income. (The insurance company is not going to pay for lost wages, and I don't see how I can press that.) For the first month, my wife was very limited in what she could do. Ideally, she wouldn't have been out of bed for more than an hour at at time. She tried to stick with that as much was possible. About 2 months after the injury, my wife was able to babysit a little, though still on a restricted basis. Now (3 months later), she appears to be back to normal, although the Physical Therapist did suggest she go occasionally for massage therapy for the next few years. Here are some of the more important facts:
1. Car: $3,300 in damages
2. Rental car: 3 weeks
3. Doctor Bill: $220 (3 visits--he essentially prescribed Physical Therapy)
4. Physical Therapy: $1,900
The other insurance company is paying for all of the above and will include $500 additionally for pain and suffering. Neither my wife nor I have any experience with working with insurance company. I have tried to give as many details as possible (please let me know if I can provide more). Can anyone give me an idea if $500 sounds reasonable or sounds like a "low-ball" offer for "pain and suffering." My general feeling is that does not sound sufficient, but, again, I have no experience with working with an insurance company. Any input you could provide would be greatly appreciated. I'm not looking for a cash cow, but I do want the settlement to be fair.
About 3 months ago, my wife was involved in an auto accident (she was at a stop sign in our compact sedan and was rear-ended by a 15-passenger van going about 30 mph). The other driver was at fault. My wife had no serious injuries (by serious, I mean life-threatening or requiring surgery). However, she has had to go through about 12 weeks of physical therapy in order to relieve back pain. She has visited our doctor 3 times, and he has diagnosed her injury as whiplash. My wife does not have a permanent outside job; however, she typically babysits about 10-15 hours a week in order to bring in some extra income. (The insurance company is not going to pay for lost wages, and I don't see how I can press that.) For the first month, my wife was very limited in what she could do. Ideally, she wouldn't have been out of bed for more than an hour at at time. She tried to stick with that as much was possible. About 2 months after the injury, my wife was able to babysit a little, though still on a restricted basis. Now (3 months later), she appears to be back to normal, although the Physical Therapist did suggest she go occasionally for massage therapy for the next few years. Here are some of the more important facts:
1. Car: $3,300 in damages
2. Rental car: 3 weeks
3. Doctor Bill: $220 (3 visits--he essentially prescribed Physical Therapy)
4. Physical Therapy: $1,900
The other insurance company is paying for all of the above and will include $500 additionally for pain and suffering. Neither my wife nor I have any experience with working with insurance company. I have tried to give as many details as possible (please let me know if I can provide more). Can anyone give me an idea if $500 sounds reasonable or sounds like a "low-ball" offer for "pain and suffering." My general feeling is that does not sound sufficient, but, again, I have no experience with working with an insurance company. Any input you could provide would be greatly appreciated. I'm not looking for a cash cow, but I do want the settlement to be fair.
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