 Can I get health insurance working for a small business as a volunteer? |
| I work in a small family business as a volunteer. Can I participate in the health insurance plan offered through the business even though I don't receive a paycheck?.... |
|
 Home owners insurance? |
| Will home owner's policy pay out if I did not obtain permits when remodeling my basement? Will I have problems selling the house?... |
|
 Life insurance politely? |
| insurance company said there is a new law that because the benifishary is 17 years of age then they only have to pay $10,000 of a $50,000 left to her upon her dads passing,he paid on it for 15 ... |
|
 What options do I have for life insurance after being declined 3x's now for a pre-existing condition.? |
| I am 35 now and had 2 stents implanted 3 years ago. Aside from that, my health has greatly improved since the procedure. My cardiologist even approved me to compete in tri-athlons. I applied for term ... |
|
 Will Home Insurance cover the stuff that was stolen from my house? |
| Our house got broken into when we were at school and work. When I came home everything was thrown all over and we were missing alot of things. Like 2 Ipods, 2 digital cameras, dvd player, PSP, DS, 3 ... |
|
 How does one go about getting hospitalization insurance? |
| I have medicare (Part B) and medical but no part A (hospitalization). I can only apply for it in Jan-Mar timeframe. In the meantime, I'd like to have hospitalization coverage.... |
|
 Accident and dismemberment supplemental insurance? |
| im looking for a supplemental insurance company tha pays you back some of youe monthely premium when you dont have a claim for that year. does any one know the name of a company?... |
|
 I was in an accident 6 yrs ago and was injured. Now I need surgery, can I have the insurance still pay for it? |
| I went to a chiropractor and had my shoulder popped, it developed scar tissue. The other guy was at fault and his insurance paid for that, so will it pay for the surgery?... |
|
 R&C charges - does doctor waive? |
| My mom has a PPO and went to an out of network specialist for her back. She just got an EOB and her insurance only paid R&C and left her with an additional $700 of bills. My question is this: Do ... |
|
 Will i need to file an insurance claim? |
| An electricity pole by my house fell over last night (no wind or storm just snapped and (iam assuming) caused something to happen with the electricity in my house. My house sitter woke up to no ... |
|
 Health insurance for my to be step son...? |
| my boyfriend wants to get his son health insurance but not himself. I think he should insure both his son and himself but he doesnt want to. He wants to wait until we get married and he can get put ... |
|
 Will home owners ins. cover damage caused by neighbors? |
| Neighbors trampoline blew into our yard and damaged our property,will our home owners insurance cover it if the neighbors refuse to pay for it?... |
|
 Where is a good place to look for health insurance? |
| I am 22 years old and half to get off of my parents health insurance. What should I be prepared for?... |
|
 Is anyone worried about there identity ??? or looking to know how to protect your identity???? |
THIS IS GOOD FOR YOU IF YOU ???
DO YOU HAVE TEENAGE DRIVERS?
DID YOU JUST BUY A HOME?
YOU OR SOMEONE YOU KNOW HAS BEEN A VICTIM?
DIVORCED?
CUSTODY OR CHILD SUPPORT?
SPE... |
|
 I'm retired,divorced woman, w/$150,000 assets.Is life ins $100,000 good idea to get now to leave to 3 kids |
I am in fairly good health. A 20 yr policy will cost me $99 mo
Is there a better, safe way to invest my money so that I leave a small sum for each of my kids. They all would benefit from an ... |
|
 How much "pain and suffering" money to expect from an insurance settlement? |
| My wife was hit by another car about a year ago. She broke two fingers, which sounds trivial, but they were broken quite badly. She had one surgery where pins were inserted to heal the bones, and ... |
|
 Insurance Types? |
Is there a type of insurance that covers any type of damages you cause? Specifically destruction of a mattress.
Additional Details
Destruction of a mattress not owned by you, :P... |
|
|  |
Marybeth E | Is this a reasonable amount for an insurance settlement? Added info...long but please read.? |
In March of this year I was rear-ended by a small sports car. I had just started pulling off from a red light (going about 15mph) The police estimated his speed was around 65mph (in a 45 mph zone) Both cars were totaled & unfortunetly that driver didn't survive (had no seatbelt on & he was thrown from his car to mine..which I witnessed) His insurance company took 100% liability. I went to ER & then to my regular doctor several times afterwards. I had soft tissue injury in my neck & back. My back hurt for the longest & on my job where I sit down most of the day.I went to physical therapy for 3 months & it still hurts on occasions but not enough to keep going to PT 3 times a week. I was diagnosed with Post Tramatic Stress Syndrome from witnessing this man's death and this is still an emotional rollercoaster for me. My doctor said those images will never go away but they will lighten up. My production at work has went down hill since the accident b/c I leave early b/c of my back & the
Additional Details
emotional scares. Any time I see a car of that color & make I relive the instance & I can’t watch any of the shows I used to (CSI, The Shield or any movie like that) b/c it always makes me think about the wreck. The insurance company has been calling me for months but I hadn’t settled b/c of my back injuries but I am getting tired of them calling me all the time. They gave me several figures and the last one was $8000.00 & out of that amount I will have to pay $2300.00 for ER visit & X-rays, $1600.00 for Physical Therapy, $920.00 for my regular doctor visits and x-rays, $530.00 for ambulance ride, $1675.00 for missed work. |
 |
 
LDS4LIFE
|
A bodily injury claim can include all sorts of intangible factors of the accident. If a person driving a vehicle caused injury to you and because of his negligence you have sustained physical injury and mental distress, you have claim for both. Body injury includes "pain and suffering" This definition allows you as the "injured" party to file claim for the other person's wrongdoing.
The settlement that you are stating is low based on your circumstances. I would argue that you have a good case to pursue higher amounts. Make sure that when you are negotiating with the other insurance company, they understand that you want to talk about BI only. Don't let them go through the whole deal of stating the amount they pay is for medical bills, ER visits, etc. This should all be paid for you insurance company under PIP or MPC. This is not a negotiating item, this is "special damages". That is owed by your company to pay for you. Your company will then go to bat for you and recover this money. The "general damages" is what you are seeking. These are the intagibles, "pain and suffering". Remember to negotiate these damages direct and make sure that the other companys settlement offer is for these damages because you can almost assume that the other company will pay for your special damages direct to your company.
Based on your facts of what happened, an $8k settlement for BI excluding special damages appears to be fair.
However, you need to ask yourself, based on your diagnosis, what is best for you to do. These claims are very stressful and can cause more emotional stress than what you need right now. If this is the case, I would suggest hiring an attorney to resolve this for you fairly, that way you can, to some degree, back out of it, and allow your attorney to handle the negotiations. This may be worth the 30% payoff to him. Keep in mind that your attorney will only receive this amount which will be deducted from the settlement of the other insurance company. I handled auto claims for 6 years. I know what kind of stress a person goes through when this type of tradegy strikes. Hopefully, these comments can help you better resolve your claim.
Good luck. |
|
mbrcatz
 |
Well, GA won't allow any of the "mental suffering" in your p&s. So the post traumatic stress syndrome, being scared of cars of that color, none of that counts. The whole emotional thing . . . irrelevant. Not for you, of course, but legally.
Keep in mind, they will NEVER pay more than the policy limit. They ALSO don't have to pay you more than the actual cash value of the car.
Have you counteroffered? You're medical bills are well under $5,000 (if I remember right). So $8,000 isn't unreasonable. If it were me, I'd counteroffer $15,000, and see how they respond.
You can always say no, sue, and pay a lawyer 30% of what he gets for you. If you decide to do that, write it in that the lawyer only gets 30% of the amount OVER the $8,000 that they've already offered. That will give them some incentive to actually GET something extra for you. |
|
saberhilt
 |
I'd suggest talking to your insurance company as well. Your insurance agent will have a wealth of knowledge for you.
The purpose of Insurance is to Indemnify the parties, or "return affected parties to the status they were before."
Did you buy a comperable car to your old one or did you upgrade? If you bought a car that was of Like, Kind, and Quality of your old one, include that down payment in your counteroffer to the insurance company.
You have been making counter offers haven't you?
Don't think that you'll be able to walk away with millions of dollars here, but a resonable counter offer would be in the 10-12k range (granted that's after just a quick read of your side of the story, the Insurance company may have other facts to work with). |
|
Mumbles
|
Is Georgia a No-Fault State? That makes a big difference. |
|
Christie
 |
Do you have an attorney? If not, get one! You shouldn't be handling this settlement stuff on your own. You need someone who is knowledgable of personal injury law to be working with you, so that you don't end up screwing yourself.
Settling TOO SOON could leave you with medical bills that won't be covered. That means, you'll have to pay them yourself.
As for pain and suffering, I don't believe that is going to be covered. I'm sure you've had a difficult time of it, but technically, all the insurance has to cover are the costs of your bills, up to the policy limit. A good attorney will tell you that. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
3 | 8 minutes(s) ago
| | | |
5 | 18 minutes(s) ago
| | | |
5 | 58 minutes(s) ago
| | | |
5 | 1 hour(s) ago
| | | |
5 | 2 hour(s) ago
| | | |
5 | 6 hour(s) ago
| | | |
5 | 7 hour(s) ago
| | | |
5 | 8 hour(s) ago
| | | |
5 | 11 hour(s) ago
| | | |
5 | 1 day(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
