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 Car accident and should I report to my insurance? |
Hi,
I got into a car accident this morning.
A big delievery truck was trying to merge into my lane and hit me from side from behind. But he won't admit it was his fault.
I ... |
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Additional Details
apologises this should have gone in the mental health category ...... |
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 I just found out that i'm pregnate, and i don't have insurance? |
| i can't find anyone that will give me insurance because i'm already pregnate. can anyone give the names of any companys that will give me insurance or a maternity card.... |
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momma | How much settlement will I get for my car accident? |
I will miss two days work and have whiplash... nothing that serious, just pain that will probably go away in a few days. I just want to know if anyone knows the fair amount for pain and suffering? I know they will pay for my medical and loss of hours... just want to know how much for my inconvenience and pain.
Additional Details
Okay for all of you nasty people who answered rudely... I am NOT trying to scam anyone... BUT there is no reason that I should go through this pain and not have some compensation. That's like saying "hey, you broke a leg ... think of people who got paralyzed!" Uh, DUH- I know it isn't the same... that doesn't mean that people should get away with causing pain to other people for FREE.
I'm sure if it were you or your children, you would just suck it up- yeah right! |
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mamatohaley+1
 |
Depends on the venue in which you live. I used to do auto injury claims in Kansas and Missouri. With the information that you provided you may not even qualify for an injury claim. However, if you live in a state that does not have a threshold (meaning no requirement for qualification of a claim) they would offer you a settlement for a signed release of all claims. Assuming that you just went to the doctor or ER 1 time, I would estimate a settlement of $200-$400 above your medicals. If they offer that amount I would counter offer with about $500-$700 more to see if they will negotiate. Typically they will not negotiate with you if your offer is unreasonable. If I would have offered someone $500 and they counteroffered with $10,000, I would not have changed my offer. However if they would have counteroffered with $900 I might have accepted or countered about $700.
With a minor injury like yours I would not suggest an attorney as they will take 35% of your settlement, including the medical and wage loss. You would actually end up behind. Also - with the wage loss, you should be able to collect your earnings before taxes. That is a nice way to make a little extra. Injury settlements are tax free. Also ask the claims rep you are working with who the medical needs to be paid back to. For example in Kansas we would have to pay back the injured partys auto insurance company but in Missouri you could double dip. Meaning that your auto insurance company would pay the medical bills and you would get paid again. Some states will not allow you insurance company to subrogate (recover) the medical back. |
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jay9258
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Not much I am sure. |
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hummingbird
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basically it depends on how much the total paid loss is and trust me, you won't get a lot of money. The only thing I can tell you is try not to accept the first offer, they usually come back with a counter offer. |
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cee cee
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It's hard to say................It all depends on the circumstances, the state you live in etc. Contact a lawyer. |
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insuragent
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No real answer possible here without knowing the full picture (state, injury/prior medical history, lost wages and such), If you go to an atty you are going to lose 25-40% of what you recover (and that includes the medical bills, so unless the atty gets those paid in full and gets the provider to reduce their bill by an amt =/> their fee you could wind up netting less in a settlement)..best advise is check the statue of limitations for your state (the amount of time you have to settle your claim..either look it up online or simply ask the person handling your claim)..make sure there are no further complications and attempt to negotiate a settlement you feel is fair..if they cant meet your expectations, consult with at least 2 attorneys (to get an idea of your case, consultations are generally free or inexpensive).. |
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crystal
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were you at fault? |
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rhsaunders
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Depends on the circumstances of the accident. If it was your doing, the terms of your insurance policy govern, and you will probably recover nothing more than the auto damage less deductible -- and, unless you have comprehensive, not even that. If the blame lies elsewhere, then the other insurance will need to be contacted. In that event, see what they offer by settlement. It won't be as much as you would like, but it may be enough to convince you to go away without suing them. If they are recalcitrant, talk to a lawyer -- lots of them make a good living dealing with cases such as this. But the first thing to do it to talk to your insurance company -- do that NOW. |
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Oh Boy!
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They won't. They know that no attorney will take the case on contingency because the award will be so small and they know you're too stupid and lazy to know how to file for yourself. |
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mbrcatz
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Depends on your state, if you're a "no fault" state, or if you've elected for limited tort or no tort.
If you have "full tort" either on your policy, or decreed by your state . .. for two days, I'd guess they might offer you $100 to $250, if they decide to offer anything at all. I don't see them even agreeing to $500, so if they offer you SOMETHING, I'd take it.
If you're insistant on getting money, you'll probably have to sue, and you'll probably have to PAY the attorney up front - I don't see an attorney taking this on a contingency basis, with no serious injuries. |
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Dave
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First we need to know which state your auto insurance is in....Hopefully not NJ unlesss you carry the full tort option on your car insurance. Because whiplash is medically impossible to prove or disprove your award for pain and suffering will most likely be minimal. The only tangible loss you have is your lost hours of work. If you receive anything more than 5k I will be suprised |
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CowboyBill
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Well boo-hoo for you, cry baby. Would ten bucks rubbed on your neck make it all better? |
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Erica, AKA Stretch
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Contact the insurance agency and a Lawyer. |
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Bugaisha
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Not much. You're NOT really hurt ! Try thinking of the people who are killed, lose an arm or leg....Never thought of that, did you ? Don't try to scam anyone, ok ? It's against the law...I'd give you nothing. |
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Dennis
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I hurt my Back at work and was put on Work Comp for past 7 weeks, I cant get my job back because the Doc will only let me back on very light duty, says I have a Herniated Disk, after seeing a specialist and several sesions in therapy the Doc has put me into see a spine specialist, now the insurance company is wanting to settle, Ive never did this, what would be a reasonable settlement, Im in alot of pain but Im not crippled yet, Lower Back, syattic nerv |
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