Our insurance agent failed to point out the fact that I only had 500 coverage for bodily harm on myself. Luckily my accident didn't require tens of thousands of dollars. My husband was very upset at his agent who claimed he didn't think we would want full protection on ourselves for an extra 50.00 bucks a month. My accident was very serious and by the grace of God I didn't need to be hospitalized.
did you get a lawyer. insurance companies have tons of lawyers that control the adjusters. insurance companies are in business to MAKE MONEY not to help you get hole. that's why they are a billion dollar industry.
@comments.cuestionsandconcerns agents and adjusters dont wear the same hat. Agents sell policies. We dont interact with them at all. Different license all together. Adjusters are bound by the policy contract you purchased (were sold).
What can I do, when the at fault insurance company, plays so many games, that 10 months have passed. I’ve got no vehicle, no rental, and loss of use! I have an attorney and I am feeling like he’s on their side! I’ve been completely shafted. I’m about to lose my house… there’s no justice in this damn country anymore!
Oh wow, I thought my case was being dragged! It’s been about a month for me and still no car rental or my car and they still haven’t said who’s at fault yet
@@The_Superyacht_Paint_Expert im in the same situation, luckily i can afford to have more than one vehicle. but there are no laws that these insurance companies must abide by. the police report has their driver at fault. yet they claim they have done their own investigation and found their driver not at fault. there are no laws governing insurance companies in Illinois or in the USA i dont think. it has been 4 months and they finally emailed us a letter of denial.
@@jessicap6873 its not even been a month for me, everything is hard! I thought mine was being dragged out. I see, not even! When you are in pain, you think people will care, but then find out they DONT! Its been hard for me to get anything.. Physical therapy has been a joke, they were to send them out to my house, then, telemed, the company cant find one who can work with me via telemed 2x a week. They claimed to have massage therapy as well, but nope! Nothin! Waiting for a third therapist to show up on telemed someday. I havent even spoken to my Lawyer, the assistant is real good at answering without answering.. a keen skill to have! They say "I dont know" without saying it.. It wasnt my fault, a kid in Tbird didnt feel like waiting for the city bus to move so went around it real quick and slammed into my car. Allstate is supposedly a very tough company to work with. I feel so sick about all this!
HEARD OF THIS!! Progressive Auto Insurances values the vehicle at $10,400. Insurer’s coverage is $10k. Progressive says because the value is over $10k, they can only pay $8,690.67 and we “have” to keep the wrecked vehicle and recoup the difference through a salvage yard! Because it was $400 over the $10,000. Insurance companies could do that all day long! Just value the vehicle a bit over the insurer’s coverage. That is a scam!
I was hit by another driver once who jumped into my lane without looking from a parked position. His insurance was dragging their feet for so long, that by the time they decided to move forward with the claim I skidded on black ice and totalled the car. Of course after this the insurance said - no evidence no claim.
I had an ol fart park a half inch from my car, then scrape up and dent it. Even tho I have video of him, a witness and him driving away with his van all scraped up, the other insurance said there is no evidence. He kept saying he didnt do it..
I'm dealing with the general rn, 21 year old all on my own and these guys it was like speaking to a freaking wall. Then when I said something (exposing their behinds) that's when stutters and aggression came. What's so messed up is that the other party completely agree it was no one's fault. Both on file the lady and I was mutually and wanted this to be seamless....nope general wanted the hard way and said nah has to be someone's fault here. Guys are sickening.. still paying off car and the damaged wasn't that bad. From me thankfully working at a dealership, and myself getting discounts was trying to help them out and telling them hey let me help you guys out..then these bastards took my car without telling me. Then to find outblater my own dealer screw me over to with helping the insurance with the scam. So I'm leaving the dealership, and thankfully know a guy that has his own shop and trying to get it over there. It's my car my power. Either pay it off(won't happen) or fix it. I'm choosing to fix it even without oem parts I want that car no matter the value. Give me the damn car back that I love. Idiots....
If we were not injured in accident, can we still get compensated for filing a non injury claim? I did so many years ago and was giving $500 by other insurance company, is there a term for this ? Thank you
If you have Medicare, even if you don't seek medical treatment after an accident, the insurance company will contact Medicare and Medicare will jerk you around and give you stress for months afterward. They will tell you everything is settled. Then months later, they will reopen a secondary payer claim they said could not re-open and demand you tell them all the treatments you had when you didn't have any. They will tie up your Medicare, so you can't seek treatment for current conditions not related to the accident, and each person will tell you something different. You will be calling for months to get things straightened out. They are on the side of the auto insurance company, and they will make your life a living hell. If you call and ask for help, that person will screw you instead of helping. No one should have to go through this.
There's one thing you forgot!!!!!!!! the following should have been number 1 Diminish Value: for those that dont know what this is let me explain say your Car is worth $45,000 now because of at fault Party its now with $30,000 you suffered with a expert report of your own chosen $15,000 Diminish Value!! Now State farm is bad in trying to give you $1,75 for this loss value to your Vehicle value even if your vehicle was repaired you're entitled to recover this amount of $15,000 ETC .. Remember one thing lets say you still owe $40,000 on your loan and the dealership wants to give you $30,000 or less on that amount you still owe the difference which cares over to your new loan $10,000 andf so on. this Could be any amount i used examples DON'T TALK TO A INSURANCE COMPANY WITH OUT A LAWYER STATE FARM IS BAD IN DOING THIS
@@biancamassone5870 I still owed $29,000 out of $32K and they gave me $10k.. So that $19,000 diiference got rolled over into the new car..The new car was $27,000 plus $19,000 $46,000 my loan............ on a $26,000 Car........ give or take
We will only diminished if you sell your car and provide us proof of the sale and the loss. We won't pay out if there is no sale so make sure you sell that sucker and hit us up
@@TermitesRGood1 last time I was involved with a car accident, I had a honest conversation with the insurance car guy who came out to evaluate my car damages. He was upfront with me and said the situation you just described is more common than you think. When you're paying off a car, the car isn't technically yours. It's the bank's. So the bank has the decision of whether to 'total' your vehicle and get whatever the insurance is offering, or repair it. Most times, they will go the 'total' route, because that's the faster way of finishing the case. They couldn't care less about fixing the car, because either way you will have to finish paying off the car to them.
I spend all thos money on insurance and they dont provide me with an attorney sucks. Their should be money in there for an attorney and even if I am suing my own insurance company
Lol 20 days ago I was put at fault because I was backing out of a drive way and some lady who could see me from a block away hit the rear end of my car biggest fucking headache ever.
After a collision and having full coverage and litigation is over, they deny chore working services and all the services they provided before litigation was completed.
We were in an accident, we were not at fault. Does it matter if we use the person who is at fault insurance company or should we just use our own insurance company???
I would definitely get an attorney if I was injured in an accident. Its the best logical choice, because anything you say will be used against you, fault or no fault accident.
Almost 3 years ago a driver ran a stop sign and totalled my vehicle. Her insurance low-balled paying for my vehicle. Now almost three years later my insurance company, Progressive, is charging me more than $200 a year for minimal coverage on my car. Progressive is penalizing me, charging me for for being an accident victim. How do they think that is fair, good business practice?
I am learning, I have this problem, I called their general customer service and asked to speak with the supervisor and complain with them. Also, if it is close to expiration time (I believe 2 years but not positive), file a complaint about the money, at least what is owed to docs and then triple to include pain and suffering. CLOSE, BTW is 6 months before expiration because the court is slow and you have to send out some more paperwork. I suggest you get an attorney because Im doing this solo and it is hard as sh!t. The attorney said I called them too late to help me, I was missing 3 months.
A driver was cited for being at fault for a car accident. Insurance company estimated my actual car value at $10,000 less than I owe. Sadly I did not have gap insurance. Is there anything I can do? Seems wrong that it was not my fault but I am still technically being punished for being the victim of an accident.
State Farm is stalling on our accident eventhough there were no injuries and the police report cited the at-fault driver for "Failure to Yield Right-of-Way" and "Inattention". Tried to say at firs that the insurance policy the other driver gave to the cop didn't cover that specific vehicle. They then said that there had been an administrative error on their end and they would "fix" it which they still haven't and they claim they are still "investigating" after almost a month since the accident was reported. We subrogated claim to our insurance GEICO to fix our car which cost $5511. Our car was brand new which I believe is the real reason why they are stalling because they know they can't come up with too many reasons to descredit it. We will also be filing a Diminished Value claim soon since our car lost around $5400 in value from the accident.
Same! So frustrating!! They lie too! I don’t know how they get away with it. They (in writing) promised to pay 100% for a new bed, because my bed was making my back worse, and had a full in home assessment, but when it came time to send them the bill, they didn’t pay. How tf do they get away with that?
Publicise as much info you can on the www against the insurance firm & imply as a consumer what crap they are trying to pull with their employee names as to who is handling your case & put lawyers names & their legal registration number !
@@DennisJordan.com. Maybe the piles of TV ads has jaded me some? and obviously if you call these people they do NOT use their own doctors, yep. They simply tell you to visit your Obamacare Doc in 3 months (or maybe quik care if your face is hanging off) and get back to them.
Here's a quick exp I had the rare time I got a traffic ticket and decided to fight it (meaning a court appearance). So I show-up in a crowd before a judge setting. 40-50 people there to plead their cases...Before anybody is called there are like 10 people with 2 lawyers present. They get to go first as they have some deal with the court...all of them DUI cases. All of them involve hispanics who do not speak English too well. They all get slaps on the wrist and $1000 or more fines...Now call me paranoid but odds are this Judge and the Lawyers share in the fine big time..That's why the kid glove treatment and the routine sentencing focused on $$$. Lesson one in how its all a GAME to fleece people of their $$$.
Thanks for the informative video, just a little respectful feedback, the background music level was too loud, it was distracting and not really needed.
It's both the music and the echo. I stopped the video and am reading comments. After this I'm closing it down. Listening to all the background noise is making my head hurt.
Hi brother I saw your video here I like your idea. I had a car accident but the car insurance don't want to pay so they say if I change to the commercial and then they can pay but after I change my insurance to commercial insurance, but now they reject me they say my car is commercial so they will not pay every thing for me, how can I do because they lied to me. I want to hear your apinion. Thank you
I was hit by vehicle but the the driver denied it. My insurance and his insurance never told to get a video when I reported the accident. I have photos only. Do I have to take the driver to small claim?
i saw the doctors that they sent for an assessment, either he or they blatantly lied about my ability to climb stairs, he said he witnessed mr climb stairs with no problems, which not only didn't happen, my rehab specialist can attest i have not been able to do to this day
what happen in my accident I was rear end and hit behind while waiting for traffic to clear. at the time of the accident the woman that hit me admit she didn't see me in time to hit me, she then admit at fault. Months past now her Insurance company(American Casualties} will not accept fault, their first excuse was because her insurance coverage had expired. Later they change their story they can't located their insure to get her side of story, you kidding me! I never heard such BS. My Insurance had to cover the repairs to my truck and I had to pay a deductible. I am hoping my Insurance company goes after them and make them pay up. I think its time Insurance companies needs to be reform, when they are at fault they shouldn't lie to to avoid paying repairs/med, its not fair one pays premiums and the other party doesn't. I spoken to the car repair, he ask me who is the other party insurance when I mention it to him. he roll his eyes, them, I have huge problems with them paying for repairs, they stalled on everyone. OH GOD
Get a lawyer..and you should always play hurt im still waiting on my insurance money all way back to may of this year..They wanted to give me 1k for my pain and suffering and sent me a letter saying i had 30 days to get any bills etc showing that ive been to the Er. But im good tho my car was totaled and my lawyer on they azz..They will play games if its just you..lawyer up
Contact an independent auto appraisal company. They will likely charge a small commission for their services. Once they begin the appraisal expect the insurance company to become more compliant and willing to pay a fair diminished car value.
It's been two and a half months almost 3 months in the car insurance company has not paid off the loan or sent me the remainder of the money that was left over after the car would be paid off
Guys my dads truck engine stopped working and he had to return the truck and he had it only for two weeks can anyone tell my why they haven’t accepted the claim it’s been three weeks and they haven’t gone forward does anyone know if we could sue the insurance company or the dealer because the dealer has said they cannot do anything else to help us like what it doesn’t make sense we have been waiting for so long can anyone please help
If another vehicle wrecked into me and I needed to go to the er that day which I did but they required the $300 co pay so couldn’t be seen . How do I go about getting checked if I don’t have the $300 to be seen
every insurance policy i have ever seen for a vehicle has PIP (personal injury protection) i may be called some other thing in your state but basically when you buy the car insurance there is a small amount of medical coverage that comes with it. used to always be $2500 mine is now $5000. it doesn't matter who is at fault in the accident call your insurance company & ask them about this. when i went to the hospital after my accident they asked if i was going through my auto insurance in order to pay them. check it out & good luck
It is very sad that accidents are today business for LAWYERS, and also for INSURANCE many insures become to be PLAINTIF covered behind a lawyer it is sad because you have a small negligence with your car and then one year later attorney star looking for transit public records and call the person who ever was the victim and the person is fine because was an small crash but one lawyer call and say I will be your lawyer you don't have to pay me until we won the case you can be compensate WITH A LOT MONEY by the accident you had before and the honest people will tell the lawyer I'm sorry I do not want to follow any sue but if is dishonest just like the lawyer will except the proposition of the dishonest lawyer and then they will star a complaint SUMMONS at the Court House , it is difficult that no body is stopping this problems in USA, this kind of problems are supposed to be in big accidents , where the person really was hurt, and went to the hospital but not in small cases where both are going home walking.
You are putting a gilt trip on people taking care of themselves. You are not a doctor and have no idea what you are talking about at all! I am a Mechanical Engineer and there are a ton of factors to consider in an auto accident. Where you looking left or right or straight ahead? Was your head on the head rest? What was the estimate speed you was hit? Where you are a dead stop or rolling? Where was the car hit? Your age, health condition, pre injuries. Jeez, you pay for insurance all your life and you want to use it now someone like this is labeling you an ambulance chaser. One time in ER can cost tens of thousands of dollars, but you see the local Chiro and therapist for 15 visit for hardly nothing and insurance companies try to catch you in a lie and fix your car with junk yard parts with their own shops. Come on…….
If your vehicle is a total loss and you have not paid off your vehicle, yes they need it to pay off the lien holder. If after they pay off the lien holder, there is any equity left over you get that directly. They will not pay you to pay the lien holder as a matter of protecting you and the lien holder. If they were to pay you and you don't pay the lien holder and the lien holder finds out, the insurance company will have to pay twice for the same vehicle.
I got hit by an at fault driver ....not hurt...but instead of sending an adjuster out they want to come get my car THEN an assess the damage ....should i let them come get the car
Anyone ? My car was totaled and I have something on my insurance called Replacement coverage what does this mean ? (they do not make my car no more stopped making it ) Will the check come in my name for a brand new car in todays inflation or will it be in my name and the insurance name so I'm forced to go buy a car before the check expires ?
HELP! My car was wrecked in an accident last year may 31 2020….while parked, I wasint even in it. They keep saying they have to wait for all parties to except $ offer since it was multiple vehicles hit and one guy is slowing it down for me.
Never buy a car you can't afford to lose. Avoid parking on any public street. Have professional video cameras which record 24/7 moving or not. If its a car of value and expect to be compensated if damaged make sure you understand the lawsuit procedures in your area.
Truth is the one guy maybe in therapy. They want to see his bills before giving you an offer. They are messing with you because his bills have nothing to do with you.
So I got hit the other day and the police report states the other driver failed to yield and was 100% at fault. There insurance company Alfa sent me a letter and said we do not see any fault on our insured driver and deny your claim. This enraged me like it’s two doors and some paint and I’m the type of person that isn’t trying to get every dollar I just want it fixed that simple. I contacted my insurance to find out my liability doesn’t cover collision except if I hit someone so they told me they couldn’t do anything I was like ahhh ok so y’all can’t help me recover money from them or anything no sir we can’t and I’m just speak less as the thoughts of if I don’t pay my auto insurance the state suspended a my registration and fines me but allows the insurance companies to do however they want and force us to fund them to screw us this makes no sense so I say this and the lady says we’ll idk air is there anything I can help you with I say I doubt it but you tell me is there anything you can help me with uhm no sir I don’t think so. So I call lawyers and they say they aren’t interested because there’s no money in it there first question is are there injuries no just my vehicle oh we can’t help you like wtf what the absolute f. Forced to pay forcefully screwed and then nobody wants to do there job. If I was a lawyer yeah more money the better but when I see these thieving leaches steal and deny knowing they are screwing someone idk take the case just because it’s right and I’d make that insurance company pay. I’m just so fed up with the way we allow things like this to be ok. They make billions and we starve and constantly get screwed.
Strange, I get people threatening me with attorneys all day. I tell them that is their right to get one. Plus lawyers hardly ever handle the case. We deal with case managers mostly. We don't return phone calls because we are hammered with 40 claims a week, every week. 160 a month and we are expected to finaluzs 160 at least monthly. I get about 800 inbound calls a in 20 working days and answer about 75 to 80 percent of them. Thats 40 inbound calls a day and i may call 30 calls utbound a day. I've seen some adjusters answer as low as 30 percent. I personally enjoy the stress and abuse i receive from claimants and insureds.
Your soulless and a scum bag.. had the 100% at fault driver total my car on an unprotected left turn with my wife & 4 year old son & 18 year old daughter in my car. There insurance company tried to get me to communicate through a sms text service .. if I agree to terms respond “YES”.. I read the terms first before responding.. hidden inside is an arbitration clause!!!! There 100% at fault accident happened day after thanksgiving and day before sons 5th bday… calling a lawyer this coming Monday morning!!
He doesn't telling how much money he should be charging or hold on after someone else got the full payment from the insurance company, so there's always a loop that nobody couldn't be telling you the truth at the end the knowledge people should be hold the most chunk of money
So gald to come across this video I am in the process of having to get an lawyer because general telling me that their client who hit me and total my car out doesn't have enough damage your property on her policy but I just found out they never use the money for the other person who was involved as well . Also only gave them 750 and had them use the insurance to cover there car when it's general client fault but I never got anything out of deal so I am bring lawyer to help me get something.
I'm dealing with the general rn, 21 year old all on my own and these guys it was like speaking to a freaking wall. Then when I said something (exposing their behinds) that's when stutters and aggression came. What's so messed up is that the other party completely agree it was no one's fault. Both on file the lady and I was mutually and wanted this to be seamless....nope general wanted the hard way and said nah has to be someone's fault here. Guys are sickening.. still paying off car and the damaged wasn't that bad. From me thankfully working at a dealership, and myself getting discounts was trying to help them out and telling them hey let me help you guys out..then these bastards took my car without telling me. Then to find outblater my own dealer screw me over to with helping the insurance with the scam. So I'm leaving the dealership, and thankfully know a guy that has his own shop and trying to get it over there. It's my car my power. Either pay it off(won't happen) or fix it. I'm choosing to fix it even without oem parts I want that car no matter the value. Give me the damn car back that I love. Idiots....
1:30 the guy tells us how they try to divert you to THEIR attorneys and doctors...why would they do this? because they work for the Insurance cos and will report the facts that benefit them, not you...samething will happen if you use the attorneys recommended doctors...they will tell you it looks like you may never walk again. The WHOLE process is 100% fraudulent start to finish no matter which way you turn...
Remember the mobsters of the old days that wore the pinstripe suits and carried a tommy gun? They traded in their pinstripe suits for khakis and a Polo button up and traded their Tommy gun for a clipboard and call themselves insurance agents!!!!! Most people don't know this, but if you were involved in a crash and your car or truck was repaired your insurance company owes you a "Diminished Value" check, because your vehicle loses value if you ever try and sell it due to it being involved in a wreck!!!! If you didn't get your call your insurance company and if they low ball you get a 3rd party appraiser who will get you way more money!!!!
Any one reading this I have been conned by my car insurance provider was only with them for 2 weeks they won't return my deposit and are charging me £205 cancellation fee ,,,there name is brightside insurance,,,,,,if you are reading this please can you leave them a 1 star review on trust pilot and any other review site you can so other innocent people don't get conned many thanks
If you defend yourself you are messing up the money making model of all these paid paper-pushers. That's why self defense tends not to work to well, even when you're arguments and familiarity with all their Harry Potter spell talk is as good as a paid lawyer yourself. I repeat you are messing up their money making model, they can't have you come in there and save your own money.
Hahahahahahah buy a dash cam WHO NEEDS TO TALK!? I had one for the last 3 NONE FAULT ACCIDENTS! I did not say ONE WORD to police I just showed them the video of the accident clearly not my fault and that’s it they paid me out for damages and nothing goes in my record WE CLEAN 26 YEARS DEEP SON
lol … before expecting for “the other guys” insurance company to pay out for Your damages and injuries make sure you have the same coverages yourself. Everyone expecting to get paid out 100K for their injuries and 50k for their vehicle damages are the same ones insured with the California minimum liability limits of 15/30/5 😂 stop it
My insurance company sent someone to change my tire. While he was changing my tire he tried to hit on me and I guess he was distracted, Also super unprofessional and did not put the tire on tight enough. I drove the car to the gym and when leaving the gym the tire came off in on coming traffic. The car hit the curb and tore my fender off. I need advice
In 2015, I was injured at work (at a grocery store) and found out that mt sciatic nerve was damaged. After seeing a doctor and making a note of everything that I had to do, I immediately consulted an attorney and tried to take steps toward resolving the medical/financial aspect of my injury. Initially, they(food company) wanted me to settle with a measly 2300 or something in the low 2000's. My attorney was really great, as she informed me that I shouldnt settle. It turns out that she was able to get 5 figures for me(10k -minus attorney fee) which was a great thing. Upon my consulting with her(and painful trips to doctors and attorney trips) she actually told me she could have gotten more money for me but Kansas law has some kind of cap on the amount of money you can receive :( She told me I could have gotten you 5X the amount but the Kansas law thing or something. Assuming I could have gotten 50K to 100K and also knowing my pain and suffering (to this day I still am suffering from my sciatic issues - I literately have to work part time because of it), I have a question about re-opening my case and to see if I can get the true value of what I have suffered for. Any help would be graciously welcomed. Can Any lawyers of attorneys help me?
Sorry to hear of all your pain and suffering but unfortunately I believe once you settle with the insurance company, that is the end of the case you can no longer file any claims in that same matter.
![ประสบการณ์ จ้าง Developer ที่ผมจะไม่มีวันลืม [ภาค1]](http://i.ytimg.com/vi/bzivN4KDg-k/mqdefault.jpg)
Our insurance agent failed to point out the fact that I only had 500 coverage for bodily harm on myself.
Luckily my accident didn't require tens of thousands of dollars.
My husband was very upset at his agent who claimed he didn't think we would want full protection on ourselves for an extra 50.00 bucks a month.
My accident was very serious and by the grace of God I didn't need to be hospitalized.
Always read your policies with your own eyes
did you get a lawyer. insurance companies have tons of lawyers that control the adjusters. insurance companies are in business to MAKE MONEY not to help you get hole. that's why they are a billion dollar industry.
@comments.cuestionsandconcerns agents and adjusters dont wear the same hat. Agents sell policies. We dont interact with them at all. Different license all together. Adjusters are bound by the policy contract you purchased (were sold).
What can I do, when the at fault insurance company, plays so many games, that 10 months have passed. I’ve got no vehicle, no rental, and loss of use! I have an attorney and I am feeling like he’s on their side! I’ve been completely shafted. I’m about to lose my house… there’s no justice in this damn country anymore!
Oh wow, I thought my case was being dragged! It’s been about a month for me and still no car rental or my car and they still haven’t said who’s at fault yet
@@jessicap6873 I’m coming up on 11 months, and it was very clear who was at fault. I was filled covered and so was the nimrod!
@@The_Superyacht_Paint_Expert im in the same situation, luckily i can afford to have more than one vehicle. but there are no laws that these insurance companies must abide by. the police report has their driver at fault. yet they claim they have done their own investigation and found their driver not at fault. there are no laws governing insurance companies in Illinois or in the USA i dont think. it has been 4 months and they finally emailed us a letter of denial.
@@jessicap6873 its not even been a month for me, everything is hard! I thought mine was being dragged out. I see, not even! When you are in pain, you think people will care, but then find out they DONT! Its been hard for me to get anything.. Physical therapy has been a joke, they were to send them out to my house, then, telemed, the company cant find one who can work with me via telemed 2x a week. They claimed to have massage therapy as well, but nope! Nothin! Waiting for a third therapist to show up on telemed someday. I havent even spoken to my Lawyer, the assistant is real good at answering without answering.. a keen skill to have! They say "I dont know" without saying it.. It wasnt my fault, a kid in Tbird didnt feel like waiting for the city bus to move so went around it real quick and slammed into my car. Allstate is supposedly a very tough company to work with. I feel so sick about all this!
HEARD OF THIS!! Progressive Auto Insurances values the vehicle at $10,400. Insurer’s coverage is $10k. Progressive says because the value is over $10k, they can only pay $8,690.67 and we “have” to keep the wrecked vehicle and recoup the difference through a salvage yard! Because it was $400 over the $10,000. Insurance companies could do that all day long! Just value the vehicle a bit over the insurer’s coverage. That is a scam!
if it's your vehicle, they have no right to it.
Progressive wants to pay me only 1350 dollars for my truck damage and the estimate damage is 2805 dollars.
Fuck I crashed two days ago and just switched from geico to progressive
Progressive one of the worst insurance company …they dnt want to help their customers for sure. Gone through a lot.
I know of bad problem with progressive auto insurance.
I was hit by another driver once who jumped into my lane without looking from a parked position. His insurance was dragging their feet for so long, that by the time they decided to move forward with the claim I skidded on black ice and totalled the car. Of course after this the insurance said - no evidence no claim.
wow, that's why it is true when he says Time is on their (insurance company) side. It is sickening... and a scam...
@@HollywoodConnection-jast HUGE SCAM.
why did you not get a lawyer?
I had an ol fart park a half inch from my car, then scrape up and dent it. Even tho I have video of him, a witness and him driving away with his van all scraped up, the other insurance said there is no evidence. He kept saying he didnt do it..
I'm dealing with the general rn, 21 year old all on my own and these guys it was like speaking to a freaking wall. Then when I said something (exposing their behinds) that's when stutters and aggression came. What's so messed up is that the other party completely agree it was no one's fault. Both on file the lady and I was mutually and wanted this to be seamless....nope general wanted the hard way and said nah has to be someone's fault here. Guys are sickening.. still paying off car and the damaged wasn't that bad. From me thankfully working at a dealership, and myself getting discounts was trying to help them out and telling them hey let me help you guys out..then these bastards took my car without telling me. Then to find outblater my own dealer screw me over to with helping the insurance with the scam. So I'm leaving the dealership, and thankfully know a guy that has his own shop and trying to get it over there. It's my car my power. Either pay it off(won't happen) or fix it. I'm choosing to fix it even without oem parts I want that car no matter the value. Give me the damn car back that I love. Idiots....
Wow it’s like every single trick they played in my cases last year. Taking them to KB courts going after their equity for all these trickery.
If we were not injured in accident, can we still get compensated for filing a non injury claim? I did so many years ago and was giving $500 by other insurance company, is there a term for this ? Thank you
If you have Medicare, even if you don't seek medical treatment after an accident, the insurance company will contact Medicare and Medicare will jerk you around and give you stress for months afterward. They will tell you everything is settled. Then months later, they will reopen a secondary payer claim they said could not re-open and demand you tell them all the treatments you had when you didn't have any. They will tie up your Medicare, so you can't seek treatment for current conditions not related to the accident, and each person will tell you something different. You will be calling for months to get things straightened out. They are on the side of the auto insurance company, and they will make your life a living hell. If you call and ask for help, that person will screw you instead of helping. No one should have to go through this.
There's one thing you forgot!!!!!!!!
the following should have been number 1 Diminish Value: for those that dont know what this is let me explain say your Car is worth $45,000 now because of at fault Party its now with $30,000 you suffered with a expert report of your own chosen $15,000 Diminish Value!! Now State farm is bad in trying to give you $1,75 for this loss value to your Vehicle value
even if your vehicle was repaired you're entitled to recover this amount of $15,000 ETC .. Remember one thing lets say you still owe $40,000 on your loan and the dealership wants to give you $30,000 or less on that amount you still owe the difference which cares over to your new loan $10,000 andf so on. this Could be any amount i used examples
DON'T TALK TO A INSURANCE COMPANY WITH OUT A LAWYER STATE FARM IS BAD IN DOING THIS
My new car Dodge Journey was sold for 3 thousand dollars after the car accident 😡
@@biancamassone5870 I still owed $29,000 out of $32K and they gave me $10k.. So that $19,000 diiference got rolled over into the new car..The new car was $27,000 plus $19,000 $46,000 my loan............ on a $26,000 Car........ give or take
We will only diminished if you sell your car and provide us proof of the sale and the loss. We won't pay out if there is no sale so make sure you sell that sucker and hit us up
@@TermitesRGood1 don't use loan shark dealers. We pay actual cash value.
@@TermitesRGood1 last time I was involved with a car accident, I had a honest conversation with the insurance car guy who came out to evaluate my car damages. He was upfront with me and said the situation you just described is more common than you think. When you're paying off a car, the car isn't technically yours. It's the bank's. So the bank has the decision of whether to 'total' your vehicle and get whatever the insurance is offering, or repair it. Most times, they will go the 'total' route, because that's the faster way of finishing the case. They couldn't care less about fixing the car, because either way you will have to finish paying off the car to them.
Sound it's awful can't understand between the loud music and too close microphone 🎤
All the “p” word popping in to the microphone
I spend all thos money on insurance and they dont provide me with an attorney sucks. Their should be money in there for an attorney and even if I am suing my own insurance company
Now you know who the attorneys work for.
I once got T-boned in a parking lot while I was backing out of my spot. I was held partly at fault because I was backing. Ridiculous.
Lol 20 days ago I was put at fault because I was backing out of a drive way and some lady who could see me from a block away hit the rear end of my car biggest fucking headache ever.
Terrible
After a collision and having full coverage and litigation is over, they deny chore working services and all the services they provided before litigation was completed.
Could you do a video on this PiP you speak of? Going into more detail.
Ask your insurance company where they recommend you to go. Take note, and never go to those places.
Yeah I learning that now
We were in an accident, we were not at fault. Does it matter if we use the person who is at fault insurance company or should we just use our own insurance company???
Nice video Lee! Great tips to follow up on. I see the need for good Lawyers!
AGREED.
I would definitely get an attorney if I was injured in an accident. Its the best logical choice, because anything you say will be used against you, fault or no fault accident.
Almost 3 years ago a driver ran a stop sign and totalled my vehicle. Her insurance low-balled paying for my vehicle. Now almost three years later my insurance company, Progressive, is charging me more than $200 a year for minimal coverage on my car. Progressive is penalizing me, charging me for for being an accident victim. How do they think that is fair, good business practice?
What can I do if at fault driver doesn’t even answer calls to his insurance company?
I need help with my case in Orlando Florida against Kemper insurance please
What can we do when the adjuster refuses to call back?
I am learning, I have this problem, I called their general customer service and asked to speak with the supervisor and complain with them. Also, if it is close to expiration time (I believe 2 years but not positive), file a complaint about the money, at least what is owed to docs and then triple to include pain and suffering. CLOSE, BTW is 6 months before expiration because the court is slow and you have to send out some more paperwork. I suggest you get an attorney because Im doing this solo and it is hard as sh!t. The attorney said I called them too late to help me, I was missing 3 months.
A driver was cited for being at fault for a car accident. Insurance company estimated my actual car value at $10,000 less than I owe.
Sadly I did not have gap insurance.
Is there anything I can do? Seems wrong that it was not my fault but I am still technically being punished for being the victim of an accident.
Thanks, great video for dealing with the scumbags at Progressive.
I’m experiencing the stalling part. I have my attorney on it
Same 👏🏽
State Farm is stalling on our accident eventhough there were no injuries and the police report cited the at-fault driver for "Failure to Yield Right-of-Way" and "Inattention". Tried to say at firs that the insurance policy the other driver gave to the cop didn't cover that specific vehicle. They then said that there had been an administrative error on their end and they would "fix" it which they still haven't and they claim they are still "investigating" after almost a month since the accident was reported. We subrogated claim to our insurance GEICO to fix our car which cost $5511. Our car was brand new which I believe is the real reason why they are stalling because they know they can't come up with too many reasons to descredit it. We will also be filing a Diminished Value claim soon since our car lost around $5400 in value from the accident.
Same! So frustrating!! They lie too! I don’t know how they get away with it. They (in writing) promised to pay 100% for a new bed, because my bed was making my back worse, and had a full in home assessment, but when it came time to send them the bill, they didn’t pay. How tf do they get away with that?
Publicise as much info you can on the www against the insurance firm & imply as a consumer what crap they are trying to pull with their employee names as to who is handling your case & put lawyers names & their legal registration number !
how exactly do they prevent you from speaking to an attorney and doctor.
Why do you assume these are not parties to the scam too?
@@DennisJordan.com. Maybe the piles of TV ads has jaded me some? and obviously if you call these people they do NOT use their own doctors, yep. They simply tell you to visit your Obamacare Doc in 3 months (or maybe quik care if your face is hanging off) and get back to them.
Here's a quick exp I had the rare time I got a traffic ticket and decided to fight it (meaning a court appearance).
So I show-up in a crowd before a judge setting. 40-50 people there to plead their cases...Before anybody is called there are like 10 people with 2 lawyers present. They get to go first as they have some deal with the court...all of them DUI cases. All of them involve hispanics who do not speak English too well. They all get slaps on the wrist and $1000 or more fines...Now call me paranoid but odds are this Judge and the Lawyers share in the fine big time..That's why the kid glove treatment and the routine sentencing focused on $$$.
Lesson one in how its all a GAME to fleece people of their $$$.
Thanks for the informative video, just a little respectful feedback, the background music level was too loud, it was distracting and not really needed.
I think the echo of the office he's in is clipping the sound , making it hard to listen
It's both the music and the echo. I stopped the video and am reading comments. After this I'm closing it down. Listening to all the background noise is making my head hurt.
If I see a Dr but I have medical, is there a point
OMGosh Thank you!!!
Insurance companies are in the business for profit and definitely not for your best interest... so sad!
so good sir.
Hi brother I saw your video here I like your idea. I had a car accident but the car insurance don't want to pay so they say if I change to the commercial and then they can pay but after I change my insurance to commercial insurance, but now they reject me they say my car is commercial so they will not pay every thing for me, how can I do because they lied to me.
I want to hear your apinion.
Thank you
Insurance companies and attorneys...pick your evil.
I was hit by vehicle but the the driver denied it. My insurance and his insurance never told to get a video when I reported the accident. I have photos only. Do I have to take the driver to small claim?
Thx. A lot
i saw the doctors that they sent for an assessment, either he or they blatantly lied about my ability to climb stairs, he said he witnessed mr climb stairs with no problems, which not only didn't happen, my rehab specialist can attest i have not been able to do to this day
what happen in my accident I was rear end and hit behind while waiting for traffic to clear. at the time of the accident the woman that hit me admit she didn't see me in time to hit me, she then admit at fault. Months past now her Insurance company(American Casualties} will not accept fault, their first excuse was because her insurance coverage had expired. Later they change their story they can't located their insure to get her side of story, you kidding me! I never heard such BS.
My Insurance had to cover the repairs to my truck and I had to pay a deductible. I am hoping my Insurance company goes after them and make them pay up. I think its time Insurance companies needs to be reform, when they are at fault they shouldn't lie to to avoid paying repairs/med, its not fair one pays premiums and the other party doesn't. I spoken to the car repair, he ask me who is the other party insurance when I mention it to him. he roll his eyes, them, I have huge problems with them paying for repairs, they stalled on everyone. OH GOD
Bro same thing happen to me but difference is they are trying to say I am at fault . I’m looking into this to see if I can sue the insurance company
Get a lawyer..and you should always play hurt im still waiting on my insurance money all way back to may of this year..They wanted to give me 1k for my pain and suffering and sent me a letter saying i had 30 days to get any bills etc showing that ive been to the Er. But im good tho my car was totaled and my lawyer on they azz..They will play games if its just you..lawyer up
Lawyer up
The only language the insurance companies understand is litigation. There you take power away from them. Alot of ppl should be aware of this
@@youi3102 how u making out?
Damn, I've never been so reassured before. Like, I can't wait until someone hits me now... If not the best, you're the most convincing ever..
Due to the auto accident my cars value reduced how hard is it to get a fair value cash 💸 wise from the at fault drivers insurance company?
Contact an independent auto appraisal company. They will likely charge a small commission for their services. Once they begin the appraisal expect the insurance company to become more compliant and willing to pay a fair diminished car value.
SS#'s billed on what form ?
Whar if I'm at fault but the other driver didn't have a license but they were insured?
It's been two and a half months almost 3 months in the car insurance company has not paid off the loan or sent me the remainder of the money that was left over after the car would be paid off
Guys my dads truck engine stopped working and he had to return the truck and he had it only for two weeks can anyone tell my why they haven’t accepted the claim it’s been three weeks and they haven’t gone forward does anyone know if we could sue the insurance company or the dealer because the dealer has said they cannot do anything else to help us like what it doesn’t make sense we have been waiting for so long can anyone please help
If another vehicle wrecked into me and I needed to go to the er that day which I did but they required the $300 co pay so couldn’t be seen . How do I go about getting checked if I don’t have the $300 to be seen
every insurance policy i have ever seen for a vehicle has PIP (personal injury protection) i may be called some other thing in your state but basically when you buy the car insurance there is a small amount of medical coverage that comes with it. used to always be $2500 mine is now $5000. it doesn't matter who is at fault in the accident call your insurance company & ask them about this. when i went to the hospital after my accident they asked if i was going through my auto insurance in order to pay them. check it out & good luck
It is very sad that accidents are today business for LAWYERS, and also for INSURANCE many insures become to be PLAINTIF covered behind a lawyer it is sad because you have a small negligence with your car and then one year later attorney star looking for transit public records and call the person who ever was the victim and the person is fine because was an small crash but one lawyer call and say I will be your lawyer you don't have to pay me until we won the case you can be compensate WITH A LOT MONEY by the accident you had before and the honest people will tell the lawyer I'm sorry I do not want to follow any sue but if is dishonest just like the lawyer will except the proposition of the dishonest lawyer and then they will star a complaint SUMMONS at the Court House , it is difficult that no body is stopping this problems in USA, this kind of problems are supposed to be in big accidents , where the person really was hurt, and went to the hospital but not in small cases where both are going home walking.
You are putting a gilt trip on people taking care of themselves.
You are not a doctor and have no idea what you are talking about at all!
I am a Mechanical Engineer and there are a ton of factors to consider in an auto accident.
Where you looking left or right or straight ahead?
Was your head on the head rest?
What was the estimate speed you was hit?
Where you are a dead stop or rolling?
Where was the car hit?
Your age, health condition, pre injuries. Jeez, you pay for insurance all your life and you want to use it now someone like this is labeling you an ambulance chaser.
One time in ER can cost tens of thousands of dollars, but you see the local Chiro and therapist for 15 visit for hardly nothing and insurance companies try to catch you in a lie and fix your car with junk yard parts with their own shops.
Come on…….
my car water damaged by LR dealership. what can i do?
What if the insurance company ask for your car loan account number? Do you give it to them or don't?
Seems like a red flag doesn’t it??! Listen to that little voice
Same thing I'm going to
I wouldn't tell them. I would refer them to my attorney.
If your vehicle is a total loss and you have not paid off your vehicle, yes they need it to pay off the lien holder. If after they pay off the lien holder, there is any equity left over you get that directly. They will not pay you to pay the lien holder as a matter of protecting you and the lien holder. If they were to pay you and you don't pay the lien holder and the lien holder finds out, the insurance company will have to pay twice for the same vehicle.
I got hit by an at fault driver ....not hurt...but instead of sending an adjuster out they want to come get my car THEN an assess the damage ....should i let them come get the car
I wish I had knew you before watching this videos
Have liability at fault insurance company saying they can't get a hold of there insured
Anyone ? My car was totaled and I have something on my insurance called Replacement coverage what does this mean ? (they do not make my car no more stopped making it ) Will the check come in my name for a brand new car in todays inflation or will it be in my name and the insurance name so I'm forced to go buy a car before the check expires ?
Hello Dilan and thank you for reaching out to us. If you can, give us a call so we can hear about your case. 800-800-4300
good
How can I higher an attorney if someone crashes my car ?
Higher an attorney? Are you high?
@@tahoeclay No I was getting to that
I thought is video was how to counter their trick...can u make one to counter please
All of that happened to me!
HELP! My car was wrecked in an accident last year may 31 2020….while parked, I wasint even in it. They keep saying they have to wait for all parties to except $ offer since it was multiple vehicles hit and one guy is slowing it down for me.
Not too sure what u could do but for future reference it would be very important to purchase a dash cam sorry about what happened to u…
Never buy a car you can't afford to lose. Avoid parking on any public street. Have professional video cameras which record 24/7 moving or not. If its a car of value and expect to be compensated if damaged make sure you understand the lawsuit procedures in your area.
Truth is the one guy maybe in therapy.
They want to see his bills before giving you an offer.
They are messing with you because his bills have nothing to do with you.
So I got hit the other day and the police report states the other driver failed to yield and was 100% at fault. There insurance company Alfa sent me a letter and said we do not see any fault on our insured driver and deny your claim. This enraged me like it’s two doors and some paint and I’m the type of person that isn’t trying to get every dollar I just want it fixed that simple. I contacted my insurance to find out my liability doesn’t cover collision except if I hit someone so they told me they couldn’t do anything I was like ahhh ok so y’all can’t help me recover money from them or anything no sir we can’t and I’m just speak less as the thoughts of if I don’t pay my auto insurance the state suspended a my registration and fines me but allows the insurance companies to do however they want and force us to fund them to screw us this makes no sense so I say this and the lady says we’ll idk air is there anything I can help you with I say I doubt it but you tell me is there anything you can help me with uhm no sir I don’t think so. So I call lawyers and they say they aren’t interested because there’s no money in it there first question is are there injuries no just my vehicle oh we can’t help you like wtf what the absolute f. Forced to pay forcefully screwed and then nobody wants to do there job. If I was a lawyer yeah more money the better but when I see these thieving leaches steal and deny knowing they are screwing someone idk take the case just because it’s right and I’d make that insurance company pay. I’m just so fed up with the way we allow things like this to be ok. They make billions and we starve and constantly get screwed.
If you get an attorney you will get less money anyway because the lawyer keeps most of it.
35% out of a $218k case I'm fine paying them.35%
This guy is doing his marketing
they are at fault but they saying they want to investigate
Hard to hear him when this music in the background, if I want to leasing to music I will, but I was not looking for that!@!!!
Strange, I get people threatening me with attorneys all day. I tell them that is their right to get one. Plus lawyers hardly ever handle the case. We deal with case managers mostly.
We don't return phone calls because we are hammered with 40 claims a week, every week. 160 a month and we are expected to finaluzs 160 at least monthly. I get about 800 inbound calls a in 20 working days and answer about 75 to 80 percent of them. Thats 40 inbound calls a day and i may call 30 calls utbound a day. I've seen some adjusters answer as low as 30 percent. I personally enjoy the stress and abuse i receive from claimants and insureds.
Maybe stop working for the bad guys
Your soulless and a scum bag.. had the 100% at fault driver total my car on an unprotected left turn with my wife & 4 year old son & 18 year old daughter in my car. There insurance company tried to get me to communicate through a sms text service .. if I agree to terms respond “YES”.. I read the terms first before responding.. hidden inside is an arbitration clause!!!! There 100% at fault accident happened day after thanksgiving and day before sons 5th bday… calling a lawyer this coming Monday morning!!
Passenger, they have treated me like a criminal over a year of dealing with them
Except when someone is lying about their injury to get more money. This is happening to our family right now and the person is unemployed
He doesn't telling how much money he should be charging or hold on after someone else got the full payment from the insurance company, so there's always a loop that nobody couldn't be telling you the truth at the end the knowledge people should be hold the most chunk of money
I’m
Php
Misty you are doing well with the work you had
Hey hey physical have been good 😌 you been having some fun 🤩 and got a new job today at
G boy gpgpghggpggggggpggggpggpggggpgggggggggggyggppgggggpgpgppggggppgpggpggpgggggggggppggpgpggpphgpghppph
So gald to come across this video I am in the process of having to get an lawyer because general telling me that their client who hit me and total my car out doesn't have enough damage your property on her policy but I just found out they never use the money for the other person who was involved as well . Also only gave them 750 and had them use the insurance to cover there car when it's general client fault but I never got anything out of deal so I am bring lawyer to help me get something.
I'm dealing with the general rn, 21 year old all on my own and these guys it was like speaking to a freaking wall. Then when I said something (exposing their behinds) that's when stutters and aggression came. What's so messed up is that the other party completely agree it was no one's fault. Both on file the lady and I was mutually and wanted this to be seamless....nope general wanted the hard way and said nah has to be someone's fault here. Guys are sickening.. still paying off car and the damaged wasn't that bad. From me thankfully working at a dealership, and myself getting discounts was trying to help them out and telling them hey let me help you guys out..then these bastards took my car without telling me. Then to find outblater my own dealer screw me over to with helping the insurance with the scam. So I'm leaving the dealership, and thankfully know a guy that has his own shop and trying to get it over there. It's my car my power. Either pay it off(won't happen) or fix it. I'm choosing to fix it even without oem parts I want that car no matter the value. Give me the damn car back that I love. Idiots....
this all sounds like just more shuck & jive from another side off the main con.
1:30 the guy tells us how they try to divert you to THEIR attorneys and doctors...why would they do this? because they work for the Insurance cos and will report the facts that benefit them, not you...samething will happen if you use the attorneys recommended doctors...they will tell you it looks like you may never walk again.
The WHOLE process is 100% fraudulent start to finish no matter which way you turn...
Remember the mobsters of the old days that wore the pinstripe suits and carried a tommy gun? They traded in their pinstripe suits for khakis and a Polo button up and traded their Tommy gun for a clipboard and call themselves insurance agents!!!!!
Most people don't know this, but if you were involved in a crash and your car or truck was repaired your insurance company owes you a "Diminished Value" check, because your vehicle loses value if you ever try and sell it due to it being involved in a wreck!!!! If you didn't get your call your insurance company and if they low ball you get a 3rd party appraiser who will get you way more money!!!!
Facts
Any one reading this I have been conned by my car insurance provider was only with them for 2 weeks they won't return my deposit and are charging me £205 cancellation fee ,,,there name is brightside insurance,,,,,,if you are reading this please can you leave them a 1 star review on trust pilot and any other review site you can so other innocent people don't get conned many thanks
I called. No help at all. California bar website, huh?
I am getting a run around I wNt other fellow info about accident pictures of his vehicle etc
We can't give you our insureds pictures without their permission. We can't even give you our insureds coverage limits without permission.
If you defend yourself you are messing up the money making model of all these paid paper-pushers. That's why self defense tends not to work to well, even when you're arguments and familiarity with all their Harry Potter spell talk is as good as a paid lawyer yourself. I repeat you are messing up their money making model, they can't have you come in there and save your own money.
#170
Hahahahahahah buy a dash cam WHO NEEDS TO TALK!? I had one for the last 3 NONE FAULT ACCIDENTS! I did not say ONE WORD to police I just showed them the video of the accident clearly not my fault and that’s it they paid me out for damages and nothing goes in my record WE CLEAN 26 YEARS DEEP SON
Thanks for the info. Next video please don’t record in an echo chamber.
lol … before expecting for “the other guys” insurance company to pay out for Your damages and injuries make sure you have the same coverages yourself. Everyone expecting to get paid out 100K for their injuries and 50k for their vehicle damages are the same ones insured with the California minimum liability limits of 15/30/5 😂 stop it
My insurance company sent someone to change my tire. While he was changing my tire he tried to hit on me and I guess he was distracted, Also super unprofessional and did not put the tire on tight enough. I drove the car to the gym and when leaving the gym the tire came off in on coming traffic. The car hit the curb and tore my fender off. I need advice
Don’t drive it in that condition , it will be too dangerous like that 👍
Get a lawyer or file a claim telling them exactly what you described on here
Tried to hit on me. Yeah ok
@@brianhissong7215 do you want to see the text?? and I did get a lawyer, company paid for the car to get fixed, and he fired
Damn you 🥶
The music made me not hear anythung he said
What is the benefit of the background music plus stop the music.
Wasted time all he wants is call a lawyer bs
Oh oh yeah I got to give it to you you're smooth
🚑🚑🚑🏃🏃🏃
Ambulance chaser
Can't hear your voice,,get a mic
In 2015, I was injured at work (at a grocery store) and found out that mt sciatic nerve was damaged. After seeing a doctor and making a note of everything that I had to do, I immediately consulted an attorney and tried to take steps toward resolving the medical/financial aspect of my injury.
Initially, they(food company) wanted me to settle with a measly 2300 or something in the low 2000's.
My attorney was really great, as she informed me that I shouldnt settle. It turns out that she was able to get 5 figures for me(10k -minus attorney fee) which was a great thing.
Upon my consulting with her(and painful trips to doctors and attorney trips) she actually told me she could have gotten more money for me but Kansas law has some kind of cap on the amount of money you can receive :(
She told me I could have gotten you 5X the amount but the Kansas law thing or something.
Assuming I could have gotten 50K to 100K and also knowing my pain and suffering (to this day I still am suffering from my sciatic issues - I literately have to work part time because of it), I have a question about re-opening my case and to see if I can get the true value of what I have suffered for.
Any help would be graciously welcomed.
Can Any lawyers of attorneys help me?
Sorry to hear of all your pain and suffering but unfortunately I believe once you settle with the insurance company, that is the end of the case you can no longer file any claims in that same matter.