Bad Accident

[Soulpieced]

Evening. My girlfriend was rear-ended on Wednesday, and her 2004 Honda Civic was totalled. The other driver was at fault, and she has a claim filed with their insurance. I'm particularly looking for anyone who has been in a similar situation, and what to put into a "master list" excel sheet for how much to ask for in claims. She was injured, hopefully not seriously, but bad enough to need major pain medication, ER visit, OS visit, and 1 month of rehab. Here's the list so far.

Old car tax, title, fees
Medical Bills
Work Missed
Accumulated Leave
Tax on new car
Title and Fees on new car
Rental Car
Pain & Suffering

[Ebondale]

Mental Anguish is a good one I've seen lately.

Where was the accident? (You know I'm from that area.)

I'm really sorry she got injured, man. Milk that rear-ending mofo for all they're worth...

[AnticorRifling]

Mental Anguish is a good one I've seen lately......

.....Milk that rear-ending mofo for all they're worth...

How about get the money you need to cover the actual bills. Your idea of easy money makes the rates of everyone else go up. People like that, and you if you really feel like that, need punched in the neck.

I'm sorry she was in a wreck, make sure she gets taken care of but don't look at this as a money making venture ala freeloader Ebondale.

[Ebondale]

How about get the money you need to cover the actual bills. Your idea of easy money makes the rates of everyone else go up. People like that, and you if you really feel like that, need punched in the neck.

I'm sorry she was in a wreck, make sure she gets taken care of but don't look at this as a money making venture ala freeloader Ebondale.

Punch me in the neck? Wow, what a wonderful moderator you are. You set such a high standard of conduct for Player's Corner, Anticor.

That said: I don't agree with money-making schemes but I hate it when things like this happen, too. At least this motorist was insured. Its shocking how many people are NOT.

[AnticorRifling]

Ebondale said..

I don't agree with money making schemes...

After Ebondale said...

Mental Anguish is a good one I've seen lately.

Milk that rear-ending mofo for all they're worth...

Is there more than one person posting as Ebondale maybe?

That being said I, as a poster and a moderator, am allowed to say how I feel just as you are. What I say as personal opinion has no weight in regards to how I handle my position as a moderator. I consider myself a fairly fair and even handed person in regards to my actions as a moderator. However, when I'm in poster mode, as now and above, I say how I feel.

And I feel that scamming whores who don't care that they create a large burden for the rest of the community need punched in the neck.

[Ebondale]

Well since we're all going to pick and choose what 'mode' we are in when we post - I'm going to take a step outside of poster mode and into personal mode and let you know that punching me in the neck would get you a quick trip to the ER and a long trip in a wheelchair.

I've never scammed anybody in my life, so back off.

[AnticorRifling]

HAHAHA chair force is cute.

[Ebondale]

Cute until we fuck your shit up. ;)

[AnticorRifling]

That would require going outside. You know, away from the air conditioning and nice chow halls (and yes you bastards have the best chow halls)

[Back]

SP didn't say anything about suing the other driver or the insurance company.

An interesting thing to note which I just learned from my jury duty experience. There were two aspects of our verdict as far as monetary compensation. One was based on an assessment by an economist who calculated a figure based on certain statistics. The other aspect was pain and suffering and we were given a blank line to fill in whatever amount we wanted. In the grand scheme of our court system its juries who decide.

[AnticorRifling]

Figure I have a billable rate of $135 an hour so if I'm not at work for a few days or what have you would my company be able to go after the individual for lost revenue due to my absense?

SP I'm sorry for derailing your thread, consider it free bumps.

[Sean of the Thread]

HAHAH.. EBONDALE VS ANTICOR... AHAHAHHA

And as the great Walter once said "STFU blacklash.. you're out of your element"

My sister is an insurance adjuster for progressive and my Father was recently rear ended and she talked him out of using an attorney for things and got a settlement from the other company without their cut. Wasn't OMG SUE THEIR PANTS OFF.. it was time missed.. damages and all medical bills for the broken ribs and time missed. Point being you don't need an attorney and their 30% to get your needs.

[Ebondale]

SP I'm sorry for derailing your thread, consider it free bumps.

"SP" I'm sorry too! ^_^

Good advice from Xyelin, too.

[Wezas]

I'm also curious about the location, especially if it happened in Northern VA.

I would go with what you have in your initial post, along with if she had to cancel any non-refundable airfare, conferences, etc.

[HarmNone]

One important thing to consider is what type of injury your girlfriend sustained, hon. Some injuries just heal and that's the end of it. However, other types of injuries can be ongoing and cause a lot of problems over time. It's certainly something to think about.

I'm really sorry this happened to her. Hope her injuries were minor and that she recovers completely and quickly.

[Emo Emu]

Getting a good attorney really is key. I've been in situations like this twice now and mine got me the money that was rightfully owed to me due to the insurance company trying to screw me around.

- Luke

[Soulpieced]

Right, we're waiting on the adjuster to call back about car-related expenses. The medical stuff will have to be resolved afterwards.

[Soulpieced]

Some other questions.

1. How should we go about calculating the medical bills, taking into account that she has health insurance, or the actual billed amounts?

2. For work missed, I'm basically doing base salary per day x 2. This may actually be higher because of the opportunity cost for having to use personal leave, when she could have been working. Hence if you miss 8 hours of work, you are missing the salary from that day, PLUS 1 day worth of leave you did not intend to take.

3. The value I saw from somewhere put the pain and suffering as 3x the medical bills. But I'm wondering how this will also work as we're still not sure if she can sit comfortably for a full day. She's scheduled to rehab 3x a week for at least a month, but I'm worried that she's not going to be able to continue working comfortably for 8 hours a day this week. Now we're into the area where she's already in the negative for leave, but short term disability does't start until 2 weeks of paid leave. I imagine if she has to miss much more work, getting a lawyer involved may be necessary, though we will try to handle everything possible without one.

[Czeska]

There is a lot on line.. google insurance pain suffering, or something like that. Much advice.

I was rear ended almost 3 years ago, totaling my car. I needed minimal physical therapy, but yes, I did get some pain and suffering. The guy who hit me deserved to be paying (via insurance or not) for the fact that his freakout on the highway meant I couldn't even pick up my kid for a couple months.

There's a ratio.. Something like (bills) x (1.5 to 2) = min. you should get. I dont remember the exact number, but as I said, much info on line.

And I didnt use a lawyer... but i did cc my emails to my friend whose address ended with "attorney at law". She read them and amused herself while my offer from the insurace company went up by 2k without a blink.

[Caiylania]

Hope she feels better soon and recovers well. Sounds like you are trying to do the right thing by her and the law so good luck.

Insurance scams are the suck. My brother-in-law works for a bar his girlfriend works at and her family owns it. One night they got robbed (he showed us the tape very scary and weird) and they crooks were never caught.

I felt no pity at all though... why? He admitted all the employees (tape showed their wallets being emptied) claimed hundreds of dollars in tips EACH was gone and the owners claimed 20K loss but they had already emptied the register for the night. So the most gone was 5k.

Had the guts to tell him I thought it was fucked up; because it is things like that that hurt insurance rates for everyone.

[Warriorbird]

Eh. That's sort of like the notion that Exxon/Mobil's record oil profits are going to go to "exploration."

[Tromp]

Soulpiece

I would get an attorney who specializes in car accidents. It may sound cheesy but in instances such as yours it'll be the smartest thing you ever did.

[Jazuela]

I thought "pain and suffering" only applied to lawsuits? I'd definitely check with a lawyer, though. Insurance companies want to pay the absolute bare minimum and will probably hem and haw at any kind of bill at all, and a lawyer will make sure all damages to vehicle and person are paid for. Also if she is under 25 and a full-time student, whether living at home or away from home, she should check with her *parents cars* insurance as well as the other guy's insurance. The accident I was in years ago was clearly not my fault (I was a passenger) but because of the insurance my parents had on me as a student, I was able to collect on theirs as well. And each of them had a car, and each car was insured for me as a driver. At the time I didn't think I'd want it, but took it anyway. Good thing too, because now, years later, I am experiencing the full brunt of the accident on my spine and at some point in the next decade or two I will be in a wheelchair.