by info_1 » Thu Nov 27, 2008 12:25 am
I was in rear in accident with three cars, I was in the middle. The car that hit me was at fault and her insurance company called to pay my medical bills and extra costs. My company is taking card of my car. I was seen in the ER for neck pain and the passanger was seen by a doctor a day later for back pain. What if any Pain & Suffering should we seek?
Posted: Thu Nov 27, 2008 12:34 am Post Subject:
Sure you will get and are entitled to a small settlement...make certain you are all healed up don't get in any hurry...typcially these small soft tissue claims (assuming there is no other medical issues) anywhere from a hundred or two, to 1k...only you can really answer that question...what state are you in? (need to make sure this applies)
Posted: Thu Nov 27, 2008 01:15 am Post Subject:
If your insurance company is taking care of your claim you will have to pay your deductible. This is what my insurance carrier informed me when I was in an accident over a year and a half ago. Why not let the other insurance company handle paying you for your vehicle so you do not have to pay it. I know eventually you will get your deductible back off the other company but why pay anything if you are not at fault?
Posted: Thu Nov 27, 2008 08:49 am Post Subject:
Firey, the OP is dealing with the third party insurer and hence isn't required to pay any deductible for the claims.
However, its true that only you can determine the amount that you may seek for the pain and suffering. You may ask for an amount that is double or triple of your medical expenses or may ask the adjuster to quote an amount upon which you can negotiate further.
Posted: Thu Nov 27, 2008 12:09 pm Post Subject:
Firey, the OP is dealing with the third party insurer and hence isn't required to pay any deductible for the claims.
Read his post again coffee
My company is taking card of my car
he is using his collision coverage, more than likely the rear vehicle has low PD limits and both cars were advised to do same so they can figure how much money they have...so he is paying a deductible unless his carrier waives it..or he wanted his vehicle fixed quickly and your carrier only has to verify coverage (not liability) to proceed with those repairs.
Posted: Tue Dec 02, 2008 11:17 pm Post Subject:
Usually your insurer doesn't waive the deductible do they? I know when mine was going to take care of my truck they said my deductible would apply..It took a few days before the person who hit me turned in the accident and the insurance company called. I decided to wait it out and am glad I did..At least I didn't have to pay for that out of pocket.
Posted: Wed Dec 03, 2008 04:25 am Post Subject: insurance
Curious about THIS question..........if you DO get into an accident, isn't it 'mandatory' that you report the accident, to your insurance company, that SAME day? What happens if you don't?
Posted: Wed Dec 03, 2008 09:24 am Post Subject:
SD, its important that you report the accident to the insurer if you have decided to file a claim. In fact, its wise to report the claim at your earliest, when every information is fresh in your memory. However, its not mandatory.
You should collect all the information, take down the contact details of the parties involved and the witnesses, take pics of the damages and so forth before turning the claim to the insurance company. This pro-activeness from the insured's side would help the adjusters in handling the claims more effectively.
Posted: Wed Dec 03, 2008 11:40 am Post Subject:
Curious about THIS question..........if you DO get into an accident, isn't it 'mandatory' that you report the accident, to your insurance company, that SAME day? What happens if you don't?
Most policys (well all i've read) say you will ''promptly'' report all accidents...some policys may have a time line, i've not seen any...if you drag your feet you run the risk of the claim being denied, because waiting, compromises the insurers stance, ie lost evidence etc..Posted: Thu Dec 04, 2008 04:40 am Post Subject: insurance
Yea, LORI,........I kind of figured that. I would think that the insurance company would 'weigh in' how long it took to file a claim/report an accident.
Posted: Thu Dec 04, 2008 10:55 am Post Subject:
Usually your insurer doesn't waive the deductible do they?
Fire this is a company thing...for instance the company i work for it the other carrier accepts liability we will waive it, or on the other side, if an innocent party is going thru their collision coverage and we accept liability and the vehicle is under repair we will forward the deductible to them as well...we are not unique in this other companys do it as a customer service and frankly i think it makes perfect senseAdd your comment