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Serena |
We had to get a lawyer for an accident that was caused by an uninsured motorist, what should I expect?
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We were hit head on by some kids who were uninsured. It was a pretty bad accident but luckily we have Personal Injury Protection and also uninsured motorists. The combined impact was about 90 mph and it totaled both cars, we are lucky to be alive. But our insurance company decided after 2 months that we must not really be hurt and tried to send us to get a independent medical examiner. That's all fine and dandy because we have nothing to hide, we are both still truly hurt. But from what I understand from talking with our chiropractor is that this is a tactic the insurance company uses to stop paying for our medical bills and almost all of the "medical examiners" deem the patients fine and need no further treatment thus our medical bills would no longer be covered. So we got ourselves a lawyer to deal with this and they are seeking 300,000 dollars from our insurance company (which is the amount of uninsured motorist coverage we have.) This scares me, I don't want this kid and his family to be ruined. What's the likely hood that they will get that, and if not that, what is more likely? Additional Details I did go by ambulance to the hospital and I have seen a "real" doctor. As for the chiropractor, the majority of my pain is in my back, hence why I'm seeing a chiropractor. Originally I couldn't turn my neck or bend down at all. Now my neck is doing better just a little irritated but my lower back is in constant pain. I have a 2 year old and it makes it difficult to do anything with her such as putting her to bed, etc because bending over with any kind of weight (like a 27 lb baby causes issues.)
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entidtil
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First, Most insurance companies, although they won't/can't say, do not trust chiropractors because they are viewed as "phonies" and "quacks" That may be a major reason why they are sending you to a real Doctor, Dump your chiropractor and on your own, go to see a real Doctor of your choice and get his/her opinion as to your injuries. Since you already hired a lawyer, you should not now be worried about the other kid. These suits can drag on for years and 95% of the time are settled out of court for much less than the amount you are suing for. You may not want to hear this, but I'll bet if you had gone to a real Doctor in the first place, you would not have had to hire a lawyer and sue and everything would now be settled
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RogerH
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What ever your insurance company has to pay out to you and your lawyer they will sue the kid for. If the kid was under 18 (21 in some states if he still lives at home) the insurance company will sue his parents attach assets and or earnings his parents or himself receives. This could cause them to have to even lose their home or file bankruptcy.If the kids family didn't own the car the will also go after the owner of the car that hit you.
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Kizzy
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Insurance carriers look at the whole scenario. Were you taken by ambulance to the ER? Did treatment begin right away or was there a gap?
Have to agree with the other statement on chiropractors, they do tend to over treat, I see it everyday. Now having an attorney, it's going to be more difficult for the carrier to get what they need. If you have nothing to hide, go the IME (independant medical examiner) and get it over with. You have to remember, insurance carriers have to hire these doctors, they don't work for the company. Then when you get your settlement, your attorney will take his third off the top.
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Rainier
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If the kid and his family didn't want to be ruined, they should have had insurance. I wouldn't worry about them.
I agree that the insurance company has issues with the chiropractor. I know nobody ever listens to me but they aren't actually real doctors. A lot of the stuff they do and believe is nutso crazy on par with Scientology or homeopaths or Democrats. You know, crazy. But seriously, they aren't actual doctors.
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