Medical bills in excess of $60,000

[tesseract314]

What is the name of your state? Illinois

Okay, spouse was hit by a car in 2000 and very nearly killed...car was totaled, spent days in the ICU, several surgeries and continuing medical problems after that. Insured policy was maxed at $100,000, but we also have under-insurance coverage of an additional $200,000 and our attorney filed a claim for it within proper timeframe. So here we are finalizing this, and they are sending us a copy of the demand letter in a couple of days (it may end up going to mediation). I'm impatient though. Anyone got an estimate for what the total value of this case would be (medical bills + Pain and suffering)? I realize that we'll be getting $100000 less since that part was already paid out. Thank you!

 

[cbg]

It never ceases to amaze me how many people think that will no knowledge of the claim or the details of the situation, we can somehow divine through our crystal ball, based on a one paragraph post, what an appropriate settlement would be.

 

[tesseract314]

You're snide and bitter tone is duly noted. Forgive me, but I was under the impression that, with a total of the legitimate medical bills and and explanation of the circumstances, perhaps a reasonable, ranged estimate could be given. I wasn't asking for a to-the-penny proclamation of certainty.

 

[shell007]

You're snide and bitter tone is duly noted. Forgive me, but I was under the impression that, with a total of the legitimate medical bills and and explanation of the circumstances, perhaps a reasonable, ranged estimate could be given. I wasn't asking for a to-the-penny proclamation of certainty.

Realistically: Pick a number between zero (0) & a Gazillion. That ought to cover it.

Even with a lengthy detailed chronology of events and expences....NO ONE can give you the answer to your question.

Expect the worst and hope for the best!

 

[tesseract314]

Thank you!

Shell thank you for your courtesy. If the first "part" of it was any indication, the medical bills at that point were around $27,000, and a final payment was negotiated for $100,000 with a 10% reduction (something about settling it faster without arbitration) while reserving the right to keep the underinsurance claim. So that is around 4 times medical bills.

I was just curious as to whether anyone else felt that is an accurate estimate, or if they had more input. ty

 

[moburkes]

What is the name of your state? Illinois

Okay, spouse was hit by a car in 2000 and very nearly killed...car was totaled, spent days in the ICU, several surgeries and continuing medical problems after that. Insured policy was maxed at $100,000, but we also have under-insurance coverage of an additional $200,000 and our attorney filed a claim for it within proper timeframe. So here we are finalizing this, and they are sending us a copy of the demand letter in a couple of days (it may end up going to mediation). I'm impatient though. Anyone got an estimate for what the total value of this case would be (medical bills + Pain and suffering)? I realize that we'll be getting $100000 less since that part was already paid out. Thank you!

Are you saying that your underinsured motorist limits are $300,000/$600,000? If not, what are they?

 

[tesseract314]

Sorry, I had not checked back here in a while! My uninsured/underinsured motorist coverage (in this case it is underinsured--we just maxed out his policy) is either $200,000 or $250,000.

 

[garrula lingua]

You're snide and bitter tone is duly noted. Forgive me, but I was under the impression that, with a total of the legitimate medical bills and and explanation of the circumstances, perhaps a reasonable, ranged estimate could be given. I wasn't asking for a to-the-penny proclamation of certainty.

cbg and shell said exactly the same thing.

But the poster is saying cbg is snide and bitter (have you read cbg's postings ? this is not a snide or bitter person) and shell is wonderful.

OP: are you sure it was your husband who was seriously injured, or yourself ?

cbg's postings have always been patient and helpful. How many people have you helped, terreract314 ? You owe cbg an apology.

 

[moburkes]

Sorry, I had not checked back here in a while! My uninsured/underinsured motorist coverage (in this case it is underinsured--we just maxed out his policy) is either $200,000 or $250,000.

This doesn't answer the question. Originally you said that:
we also have under-insurance coverage of an additional $200,000.

You said additional. Then, in the most recent post, you said that its either $200k or $250k. More than likely it is $250k. So take that $250k, subtract the $100k that has been paid under the at-fault party's insurance policy, and the most you will receive from your current company is an additional $150k.

Your UM/UIM coverage should usually have 2 numbers associated with it, not 1.

 

[tesseract314]

Thank you for your assistance

I'm not backing down I'm sorry the post was rude. I spend my entire day every day helping people (it's my profession) and I am a kind and decent person. So I'm sorry, but I'm not sorry. Yes, I realize someone else said exactly the same thing, but they said it in a way that was polite and considerate. And I didn't say anything cruel myself--I was just stating that their tone was duly noted.

At any rate, thanks to those that did offer me any type of assistance. The attoneys putting in a final demand this week for somewhere between $150,000 and the policy maximum.

 

[tesseract314]

I see. In that case, I believe it was $200,000/$300,000 (I think I notated that correctly)

This doesn't answer the question. Originally you said that:
we also have under-insurance coverage of an additional $200,000.

You said additional. Then, in the most recent post, you said that its either $200k or $250k. More than likely it is $250k. So take that $250k, subtract the $100k that has been paid under the at-fault party's insurance policy, and the most you will receive from your current company is an additional $150k.

Your UM/UIM coverage should usually have 2 numbers associated with it, not 1.

 

[moburkes]

I see. In that case, I believe it was $200,000/$300,000 (I think I notated that correctly)

Thanks for responding, but I still don't think you have the numbers right. You did write it correctly, but I've never seen a policy at $200k/$300k. Usually the 2nd number is 2x the first. So, if your UIM is $200k per person, and you've already used $100k, then the most you can recover (from your insurance company) is the difference, which is $100k.

Now do you understand that without ALL the information, you cannot receive a reasonable response. If you're not sure, how can another person be sure, if they have even less information to go on than you do?

 

[cbg]

If you think my message was rude, I suggest you not get on the bad side of some of the posters here.

And, as a matter of fact, my message was not in the least rude. It was a statement of fact, and there was nothing offensive in it.

 

[tesseract314]

Thank you for your help. I see what I was doing now. I know that the maximum that we can recover from our insurace after the $100,000 was paid from the other person's policy is $200,000 (for a total of $300,000).

 

[tesseract314]

CBG sorry for the difference in opinion. This whole ordeal has been immensely stressful.