Car Accident Settlement Advise/Help?

Question

I was in an accident in late April; I injured my wrist, back, shoulder and neck. I am currently in Physical and Occupational Therapy for this. I am in pain everyday and have to take 3 different medications just to ease it; I have even had to start getting cortisone shots in my wrist to ease the pain. My girlfriend’s insurance company has already told me they are going to reimburse me for lost wages, doctor bills, etc. They even said that even if I use my leave to cover my doctor’s appointments that are still going to pay essentially twice since I had to use my sick leave to be off. With all that being said, as of right now just my doctor visit co-pays, lost wages and medicines are over 3k and I have at least a another month to go with my Physical Therapy since I go 2-3x a week. How much should I expect to get for pain and suffering? I really don't want to get a lawyer since they take so much of the money.

Answer 1

you need to look at you friends insurance policy,and how much her coverage is.mine pays up to 300.000 per injury per person.the insurance company are going to be real nice to you hopeing they just have to pay what they are paying you.but you will feel the pain,most likely the rest of your life i have been there.I hope you don,t

Answer 2

You do not say what state this loss occurred in.  Case value can vary dramatically from state to state.   Also, who was at fault for the accident?  Were you a passenger in your girlfriends vehicle?  Was she driving?  Is her insurer paying your meds and wages under her PIP coverage?  If yes to the PIP, you may need to meet a bodily injury threshold before you can make a claim for pain and suffering.  

You also do not specifically provide us with your diagnosis, pain is not an injury.  What exactly are your injuries?  Soft tissue?  Sprain/strains? How long were you out of work, and what kind of work do you do?   Assuming you are tort eligible,  the adjuster will evaluate your claim based on the nature and extent of your injury, disability and treatment once you have stopped treating.

There is no formula pricing, but most larger insurance companies now use large computer database programs to assist in the evaluation.

Answer 3

You have to put in a claim  for everything including pain and suffering, etc, If you don't put in a claim, they won't pay you anything but what they have already told you they would pay.  They will make you an offer.  If you don't like the offer, you can tell them that you don't like their offer.  You can then haggle with them or you can get a lawyer and sue your girlfriend (her insurance company)