I was T-Boned Today *Updated*

[StepUp]

*Update*:

Just receivved word that the car was totalled (this was expected, but it's official now). They are giving me $3850 for the car, which is ok, because I only paid $3K for the car a little over a year ago. Contemplating what to do, as the job I have I know I will lose in November, and I want to go back to school, so I'm thinking that I will buy something cheap to make it to the end of the year until I move close to a campus in which the car won't be necessary (and I'll still have my motorcycle).

This weekend I am getting rid of the Z in my sig with the cash for clunkers (dad is buying a new car) as this car has given me nothing but problems since I bought it about 2 years ago. In return, to help my wife and I out, my dad is giving me a 2004 Saturn ION with about 50,000 miles that I will give to my wife for her commute to work.

Also, the insurance company contacted me and they want to settle for the bills, pain and suffering, and lost wages.

So far my medical bills come to about $4k. Thankfully I haven't lost any wages because I have been laid off for 5 weeks from my job at Penske Logistics. I'll have to figure out what I come up with for a total amount for this ordeal.

 

[zoiks]

Hope you get it settled. Good luck man and hope you feel better.

 

[Bignate603]

Good luck, so far it sounds like they're being reasonable with the payout for the car. I hope it holds out for your medical bills and things too.

 

[TurtleCrusher]

did you even go to the hospital? It would have been free.

 

[StepUp]

Yes, I went to the hospital.

If you had the above payout to spend (I don't want a car payment at this point in time), what would be some practical cars to look for? Or the best bang for the buck if you will.

 

[halik]

z32s actually qualify for cash for clunkers?

 

[JEDI]

Originally posted by: StepUp
I had all this typed up and somehow closed it out, so I'll retype as best I can.

I was stopped at a light that turned green. As it turned green I slowly accelerated out only to be T-boned by an elderly woman in a jeep cherokee at ~40 mph. The light had been green for me about 4 seconds or so.

My wife was with me in the car, as was my dog. Both of them were uninjured. The impact was on my side of the car. My head ricocheted off the driver's side window and I had a minor concussion. I also had some bruising, but thankfully I was wearing my seatbelt.

I'm curious what I should/can do. The police report will be available on monday, and I assume that it needs to go to my insurance company. It should show her to be at fault, according to the police. I don't remember a whole lot from the accident as the ambulance arrived on the scene very quickly and they immobilized me due to head injury.

What I do remember is looking up and seeing the glazed over look on the woman's face (she had to be at least 70). She never got out of her car, nor said a word to myself or my wife.

As far as the car it was an '01 Malibu, and I only had liability on the car, since it was rather old. Not sure if the accident being declared her fault will help me or not (I live in TN for reference).

Also, I'm curious if anyone thinks that I should attempt to go after any type of settlement with her insurance company for the medical bills / time off from work. I've never had any experience in a legal proceeding and I'm not looking to gain financially, however, I don't want to be on the losing end of the stick. Thanks in advance.

get a lawyer. sue for pain and suffering.

this is how it typically works.

her insurance will payout 3x your medical costs.

so if cost of initial hosipital trip + followups to doctor = $10k (doesnt matter if your health insurance paid it), then her insurance will pay $30k (assuming u have any semi-good ambulance chaser lawyer.)

$10k to hospital
$10k to lawyer
$10k to you

 

[RKS]

Originally posted by: JEDI

Originally posted by: StepUp
I had all this typed up and somehow closed it out, so I'll retype as best I can.

I was stopped at a light that turned green. As it turned green I slowly accelerated out only to be T-boned by an elderly woman in a jeep cherokee at ~40 mph. The light had been green for me about 4 seconds or so.

My wife was with me in the car, as was my dog. Both of them were uninjured. The impact was on my side of the car. My head ricocheted off the driver's side window and I had a minor concussion. I also had some bruising, but thankfully I was wearing my seatbelt.

I'm curious what I should/can do. The police report will be available on monday, and I assume that it needs to go to my insurance company. It should show her to be at fault, according to the police. I don't remember a whole lot from the accident as the ambulance arrived on the scene very quickly and they immobilized me due to head injury.

What I do remember is looking up and seeing the glazed over look on the woman's face (she had to be at least 70). She never got out of her car, nor said a word to myself or my wife.

As far as the car it was an '01 Malibu, and I only had liability on the car, since it was rather old. Not sure if the accident being declared her fault will help me or not (I live in TN for reference).

Also, I'm curious if anyone thinks that I should attempt to go after any type of settlement with her insurance company for the medical bills / time off from work. I've never had any experience in a legal proceeding and I'm not looking to gain financially, however, I don't want to be on the losing end of the stick. Thanks in advance.

get a lawyer. sue for pain and suffering.

this is how it typically works.

her insurance will payout 3x your medical costs.

so if cost of initial hosipital trip + followups to doctor = $10k (doesnt matter if your health insurance paid it), then her insurance will pay $30k (assuming u have any semi-good ambulance chaser lawyer.)

$10k to hospital
$10k to lawyer
$10k to you

TN state min. is 25/50.
Most health ins. companies want at least 1/3 of their costs reimbursed from a settlement.
$10K for soft-tissue (cervical/neck strain) treatment would be considered overtreatment by most auto insurance adjusters.

 

[abaez]

Originally posted by: KentState

Originally posted by: FallenHero

Originally posted by: KentState

Originally posted by: StepUp
I have notified my insurance company. I just don't have comprehensive/collision on the vehicle. I do have the coverages you mentioned. The driver would not speak to us, but she did have valid insurance and I got that information from the police at the hospital.

Why are you dealing with your insurance company? You need to contact hers since they are responsible.

No. You contact yours and let them deal with the other person's insurance company. You PAY THEM to do that and they have their own ways of dealing with others. Trying to fight the other person's insurance is insane. Let the companies duke it out, its much more effective and less headache for you.

That is not what you pay for. Yes, if the other company refuses to deal with you, then you can turn to your own. He hasn't even contacted the other company so there isn't even a fight yet. BTW, how many years of experience do you have selling or dealing with insurance companies?

Is this how insurance works in other states? I have AAA here in CA and when I got t-boned I contacted them, gave them all the information, and they dealt and got the money from the other insurance company. I have no idea why anyone would ever want to do it themselves.

 

[Greenman]

Originally posted by: JEDI

Originally posted by: StepUp
I had all this typed up and somehow closed it out, so I'll retype as best I can.

I was stopped at a light that turned green. As it turned green I slowly accelerated out only to be T-boned by an elderly woman in a jeep cherokee at ~40 mph. The light had been green for me about 4 seconds or so.

My wife was with me in the car, as was my dog. Both of them were uninjured. The impact was on my side of the car. My head ricocheted off the driver's side window and I had a minor concussion. I also had some bruising, but thankfully I was wearing my seatbelt.

I'm curious what I should/can do. The police report will be available on monday, and I assume that it needs to go to my insurance company. It should show her to be at fault, according to the police. I don't remember a whole lot from the accident as the ambulance arrived on the scene very quickly and they immobilized me due to head injury.

What I do remember is looking up and seeing the glazed over look on the woman's face (she had to be at least 70). She never got out of her car, nor said a word to myself or my wife.

As far as the car it was an '01 Malibu, and I only had liability on the car, since it was rather old. Not sure if the accident being declared her fault will help me or not (I live in TN for reference).

Also, I'm curious if anyone thinks that I should attempt to go after any type of settlement with her insurance company for the medical bills / time off from work. I've never had any experience in a legal proceeding and I'm not looking to gain financially, however, I don't want to be on the losing end of the stick. Thanks in advance.

get a lawyer. sue for pain and suffering.

this is how it typically works.

her insurance will payout 3x your medical costs.

so if cost of initial hosipital trip + followups to doctor = $10k (doesnt matter if your health insurance paid it), then her insurance will pay $30k (assuming u have any semi-good ambulance chaser lawyer.)

$10k to hospital
$10k to lawyer
$10k to you

The new American dream, sue, sue, and sue some more. It's like welfare for the lower middle class. Why not fake a neck or back injury and go for the big payout? Or claim the accident made you impotent and collect a few more bucks? The cool thing about that is that your wife can sue for loss of use, it's the bonus round!

It's ok to be a greedy low life scum sucking piece of shit, everyone is doing it, and if you don't someone else will get your free money.