TrevorR90
Banned
Pain and suffering.
Arm vs Airbag.. guess who won...
- Thread starter d3mon_fx
- Start date
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- Tags
- accident. airbag broken arm
Damn. Sorry about your wifes arm. That is a bad break. Hope she doesn't have any lingering issues.
I stopped reading when you said wife driving......I knew it would be bad.
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No need to give a greedy attorney 33% for keeping records for you. They will not get you any more than you could get yourself.
Keep all records, prescription co-pay amounts, loss of wages, keep track of all mileage from driving to and from doctors appts. If you have health insurance, they will calculate your losses based on BILLED prices.. not what the negotiated insurance rate is. Keep EVERYTHING that incurs a cost to you related to the accident.
When ALL medical treatment is finished, including any and all physical therapy, take all your medical bills to your insurance, lost wages, etc. add the figures up. Then negotiate between 2.5-5x this amount for pain and suffering, in addition to the medical costs, depending on the injury.
Do not settle until all medical care is finished completely. If you settle, you are SOL on any additional medical care after the settlement.
Also, when you receive a settlement, your insurance company CAN request reimbursment for a percentage of what they paid in medical costs, which can be negotiated. BUT, this is dependant on if the insurance company notifies them of a settlement. In North carolina, the insurance company has 90 days from the date of the settlement to request reimbursement. If they wait until after the 90 day period at least in NC, they are SOL.
Another note: The insurance company is only liable for the limits on the persons policy.. ie.. if they only have 50,000 coverage for liability, then that is all the insurance company will have to pay.. any additional damages will have to be collected from the insured person through a lawsuit. Which is why it is highly recommended to have high liability limits so you don't lose house, money etc if you are at fault in an accident. You can also make a claim on your own uninsured/underinsured coverage.. but it is weird in the way it works.. you have to have a certain amount MORE coverage than what the other person has on their policy for it to work.
These are just some tips off the top of my head from my own research when I had a bad motorcycle accident in 09'. I represented myself, and got zero trouble from the adjuster. He was actually impressed by my settlement package I sent him.. over 120 pages of documents, a CD with my MRI/xray images. My injury was sever though.. was out of work over a year and had 4 surgeries on my ankle. But in my time off work, I learned ALOT about handling it myself. I have alzheimers(or I think I might) and my memory isn't what it used to be, so I may not remember ALL the details.. but this is the basics for you. If you have any questions, you can PM me, and I'll try to help you as best I can.
And to the naysayers.. this is not one of those bogus ins claims to make everyones insurance go up. This incident is the reason insurance is out there. I hope his wife recovers 100%, but from personal experience.. a severe broken bone is no fun.. mine was a trimalleolar fracture.
Edit: Figured I would put a disclaimer in here that I AM NOT an attorney, and if you feel the need for more legal advise.. contact an attorney.
Keep all records, prescription co-pay amounts, loss of wages, keep track of all mileage from driving to and from doctors appts. If you have health insurance, they will calculate your losses based on BILLED prices.. not what the negotiated insurance rate is. Keep EVERYTHING that incurs a cost to you related to the accident.
When ALL medical treatment is finished, including any and all physical therapy, take all your medical bills to your insurance, lost wages, etc. add the figures up. Then negotiate between 2.5-5x this amount for pain and suffering, in addition to the medical costs, depending on the injury.
Do not settle until all medical care is finished completely. If you settle, you are SOL on any additional medical care after the settlement.
Also, when you receive a settlement, your insurance company CAN request reimbursment for a percentage of what they paid in medical costs, which can be negotiated. BUT, this is dependant on if the insurance company notifies them of a settlement. In North carolina, the insurance company has 90 days from the date of the settlement to request reimbursement. If they wait until after the 90 day period at least in NC, they are SOL.
Another note: The insurance company is only liable for the limits on the persons policy.. ie.. if they only have 50,000 coverage for liability, then that is all the insurance company will have to pay.. any additional damages will have to be collected from the insured person through a lawsuit. Which is why it is highly recommended to have high liability limits so you don't lose house, money etc if you are at fault in an accident. You can also make a claim on your own uninsured/underinsured coverage.. but it is weird in the way it works.. you have to have a certain amount MORE coverage than what the other person has on their policy for it to work.
These are just some tips off the top of my head from my own research when I had a bad motorcycle accident in 09'. I represented myself, and got zero trouble from the adjuster. He was actually impressed by my settlement package I sent him.. over 120 pages of documents, a CD with my MRI/xray images. My injury was sever though.. was out of work over a year and had 4 surgeries on my ankle. But in my time off work, I learned ALOT about handling it myself. I have alzheimers(or I think I might) and my memory isn't what it used to be, so I may not remember ALL the details.. but this is the basics for you. If you have any questions, you can PM me, and I'll try to help you as best I can.
And to the naysayers.. this is not one of those bogus ins claims to make everyones insurance go up. This incident is the reason insurance is out there. I hope his wife recovers 100%, but from personal experience.. a severe broken bone is no fun.. mine was a trimalleolar fracture.
Edit: Figured I would put a disclaimer in here that I AM NOT an attorney, and if you feel the need for more legal advise.. contact an attorney.
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Ouch. I've gotten burned by an airbag but never broken an arm. That's gotta suck.
And yeah get paid
And yeah get paid
Ya it's been a few years, I know they go off with a loud bang and go really high. Just didn't wanna exaggerate too much.
Another note.. when you talk to their insurance company, just say you will have to get back with the adjuster when all medical care is completed and you have all the figures. It may be a long drawn out process, but don't give in. Good luck
Luckily she broke both the bones rather than just one because when I did that they broke the other boneb on the edge of a table in order to reset it... felt awesome.
At least she was relatively ok and I hope for a speedy recovery.
At least she was relatively ok and I hope for a speedy recovery.
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Actually her name is Kelley, they misspelled her name on the hospital... got it fixed tho.
Lol actually she is a very good driver, she can drive my Cobra very well, nothing hotter that a girl driving a 6 speed.... in another hand she freaked out when we drove home on her moms Buick SUV so hopefully that goes away
Thanks for the info, luckily for us her dad is a risk manager attorney for a big company so he is going to take care of us.
Really??
holly crap I guess that was a good thing...Thank you guys for all the good wishes you guys are awesome, love the SVT family.
Good luck, and speedy recovery for your wife.
And in case you don't know, sometimes the screws/plates need to come out. They will tell you they are permanent, but not always.
And in case you don't know, sometimes the screws/plates need to come out. They will tell you they are permanent, but not always.
Prayers for a speedy recovery!!
So much for texting and driving being harmless. Maybe this will change a few minds.
So much for texting and driving being harmless. Maybe this will change a few minds.
Damn! I did the same thing to my arm biking... Takes a long time to get that arm back to normal
God damn thats a bad brake. I hope she gets all better man!!
damn, sorry to hear about that. hope for a speedy recovery
Actually, it's not a bad break at all. The forearm heals very well and in reliable fashion. The break does not involve the wrist/elbow joint, so there should be no permanent disability to speak of, and no chance of developing arthritis. When the bone heals, it will be as good as new. The plates can be removed if she wishes, but I would leave them in personally. Wait at least a year to settle---this takes a year to get 100% recovered from.
Be fair with the amount you settle for. Sure, the other driver was at fault. Remember, you might be in the same situation on the other side of the fence at some point in your life.
Be fair with the amount you settle for. Sure, the other driver was at fault. Remember, you might be in the same situation on the other side of the fence at some point in your life.
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