How do I Negotiate a Settlement With an Insurance Claims Adjuster?
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- เผยแพร่เมื่อ 16 ก.ย. 2024
- How do I Negotiate a Settlement With An Insurance Claims Adjuster?
Our personal injury lawyers and paralegals have helped those affected by serious injuries in Missouri and Illinois recover millions of dollars while holding the negligent responsible for their actions. With more than 80 years of combined litigation experience and over $170 Million in Settlements and Verdicts, we have the skills and resources to get you and your family the compensation you deserve.
When you put your future in the hands of a law firm, you want to make sure the people handling your case are the best in their field. Burger Law is led and staffed by the finest legal professionals in the St. Louis area, serving all of Missouri and Illinois. With many years of experience and countless case wins for our clients, the attorneys and legal staff of Burger Law will fight for you, providing effective legal counsel and heartfelt support throughout your case. When you are ready to hire our experienced legal team to represent you and demand the compensation you deserve, call us at (314) 500-HURT in MO and (312) 500-HURT in IL right away.
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Great advice!!!! I needed to hear this as I’m going thru a settlement as we speak.
Been dealing with this for almost a year. I was hit in a parking lot by a girl going full speed and not paying attention. Her insurance company has already admitted she is at fault. My car was totaled. Life flipped upside down. I've been suffering from chronic back pain since the accident. I'm 28 years old and now it hurts to walk and sleep. I've been doing treatment with a chiropractor, physical therapy, and finally a spine and pain doctor who wound up burning off some of the nerves in my back.
I've kept detailed records of the injury and my attorney is putting together the demand letter. I am so nervous for the outcome. This has cost me a year of my normal life and thousands in medical bills. I mean what is that claim worth? I'm not sure how it will go. I just hope my attorney will fight for me. Great information to the public. I had no idea about any of this. The only reason I got an attorney was because the insurance company kept putting me off. They responded immediately once I got an attorney involved. Funny how that works!
You know, if you're dealing with a shady insurance company, lawyering up is the quickest way to get their attention, and let them know you mean business!
When dealing with what your claim is worth, there's a ton of factors at play, but some include cost of treatment, loss of income, and pain and suffering. Your attorney should be able to guide you through this, as part of the demand process.
You know, I've actually written a book on the topic. It goes into both how to deal with these insurance companies and what questions to ask your attorney. Let me give you a copy for free: burgerlaw.com/legal-books/essential-questions/
Any updates
@HellaBella Hey, how have you been? I literally just read your story and I experienced the same thing, nearly tantamount, how'd it turn out, I pray well.
Hope your feeling better and you got the best treatment from your claim!✊🏽❤️🩹
@@ryanhernandez3113 still in litigation 🙃
Thanks for the information. You really are the best!!
Thanks! I try!
@@BurgerLaw Insurance companies are just trying to make profit from you.
@@user-nr7nn5ky5n I mean, at the end of the day, they are a business, and they maximize their profits, in part, by paying out as little as possible on insurance claims. That's why, when there is a major loss or injury, we strongly recommend getting a great law firm (like mine) behind you, to make sure you don't get played by these guys!
Very very good explained! My car got hit when I turn to my neighbor street and the guy drove straight to hit me on the turning lane that has a sign say right lane must turn right and yes I yield and didn’t see anything on my windshield but this car came from behind the other car and take off and hit me. I have a ticket that police officer said I failed to yield but I don’t know how I gonna do that I stop and looked at the windshield and seen nothing then the car came from behind and break the law straight to hit me in front, not T-Bone. Now I just wait for an insurance to help but insurance never ask me about what happened but just tell me to find the shop and get estimate cost to fix, if it too much it will be total loss but no shop around will take my car now because they are busy and my car is in tow yard that charge every day. In this case the insurance will pay me for towing and parking at the tow yard right? The adjuster only tell me to get the shop first and start from there and tell me that I have deductible but I’m not supposed to pay right? How I can do in this case?
Thank you
The short answer here is that what the insurance is required to cover by law varies from state to state. The first suggestion I'd make is to talk to the insurance company and figure out directly from them what, specifically, they are covering. If their answer doesn't sit well with you, find a local attorney that handles motor vehicle crash property damage cases, and see if there is anything you can do.
@@BurgerLaw thank you so much, I have to see what they offer and provide the document to prove that was not my mistake from the accident as well.
Happy to help! Sounds like you've got a good plan. Best of luck with your claim!
Awesome explanation, thanks for sharing.
Glad you liked it!
Wow best attorney I’ve seen on TH-cam. I was just hit on the freeway I think I want and attorney it 100 there fault but I’m in California. Do you guy have a referral office
Thanks for the compliment - I so wish I had seen your comment earlier but somehow I overlooked it. We have a directory of firms we refer clients to in different practice areas and different states, but unfortunately I don't have a go-to in California right now.
You are welcome to call my office at 314-542-2222 though. We'll answer questions for free and might be able to point you in the right direction. Every state has different tort laws but it could at least help you get started.
great explanation. thanks for the helpful video.
My lawyer is trying to force me to take a crappy deal and acts like he is scared to negotiate with a insurance company that was at fault
To be fair, there could be a number of things going on here. On one hand, maybe you're right, and your lawyer just isn't being aggressive enough on this. On the other hand, it's possible that your case may not be as strong as you think it is, available insurance coverage limits are hindering a full recovery, or a number of other factors.
Unfortunately, in many cases, an outside attorney can't consult on an active case without direct cooperation from current counsel. So you're going to need to have a discussion with your attorney to try to ascertain what is really going on, and why that number is lower than you think it should be.
It's also worth noting, that if you do leave your current attorney, you may be liable for attorneys fees on your case (often either directly billed or as a lien on your case), so that's a thing to consider. Check your contract with your lawyer (would likely be in some paperwork you signed at the beginning of your case), and see what the termination clause looks like.
I wrote a book a while ago that has some great information on both lawyer selection and settling your case. Here's a link to a free copy you can download--it will most likely help you prepare to discuss this with your lawyer! burgerlaw.com/legal-books/essential-questions/
Best of luck to you in this matter!
I have shopped around for lawyers 3 times in the past couple years, and I’ve learned that some firms are in a big hurry to sign up clients as long as you can give them just a couple documents to support your claim, but other firms ask MANY more questions and want MUCH more documentation to review before they decide whether to take you on as a client. Which type was your lawyer when you first signed up? I suspect that the difference is that the second type fights for every dollar, and needs to know that they can win in court before they risk losing out on a settlement by playing hardball.
@@thomasconnors4338 I think this is a really spot-on take. We tend to be the latter: we only take on cases that we know we can win, and we are willing to fight for every dime. As a result, our intake process is pretty intense. We ask a ton of questions, and usually get the police reports before we officially sign up a client. There are firms out there that just try to sign clients up en masse, and will go through the motions of filing a claim, but not really fight for them, because they don't have strong evidence or a good case, so they just try to get something done and walk away.
The book I linked in my previous reply has a ton of great questions to ask a lawyer before hiring them. Definitely worth a read.
@@BurgerLaw thanks. I learned the hard way when I got the other kind of firm in a workers comp / employment law issue. I wish I’d looked in the right places to come across that advice sooner.
@@thomasconnors4338 Sometimes we learn lessons the hard way. On the bright side, now you know, and you can share that knowledge with your friends and family.
Thank you for the information.
VERY GOOD!!!!!
Thanks!
Know any attorneys in Fort Worth Texas? After seeing your video, I may end up filing with the civil courts
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 $500 by other insurance company, is there a term for this ? Thank you
The most common claims after a car crash are property damage and personal injury; however, sometimes you might run into things like rental re-imbursement or loss-of-use claims. Honestly it depends on what your state requires of insurance companies, and what the policies held entail.
thanks!
Great video thx!
Glad you liked it!
My mother got into an accident 2 years ago in Covid it was a Uber accident while she was a passenger so it’s 100% not her fault, that’s already guaranteed. but we partnered with one of of her patients who was actually a lawyer (our biggest mistake) 2 years later we still haven’t had any real updates.
We had gotten a 54k$ settlement but that’s horrible considering she is disabled now with a walker. How do we escalate our settlement payout / reserve in a decent timeline (within just another year) and motivate our lawyer to get what we think we are worth!
I'm sorry to hear that. For clarification, did you already accept that $54K settlement and sign the release? Or was that just an offer made?
@@BurgerLaw no i did not receive it and we didn’t take any of it. Should we take a litigation loan as we are struggling.
@@BurgerLaw it was just an offer made.
@@geekeswillis569 Ok, good. So the settlement is still in play.
The best advice I have for you is that justice can take some time. I don't have actual data in my firm for this, but it seems like our average car crash case takes about 18-24mo. Sure, we'll settle some within 6 months, but we have some that drag out for years. And there could be any number of factors why.
I'd probably suggest that you might want to have a frank discussion with your lawyer to get a better understanding of where your case is sitting--current offers on the table, projected timeline, factors that are causing the case to drag on, etc.--that might at least get you a clearer picture of what is going on, and allow you to strategize and plan for the immediate future.
As for litigation loans, personally, I'm not a fan. While not all loans are like this, they tend to have high interest and low regulations, which leads to a bad situation as a consumer. I generally advise against them, but I do have clients that use them as a last resort. Do the best you can to cut costs, find ways to make money if you can (even if it means doing something like Uber, Instacart, etc), and do the best you can to get by. It's tough, sure; but it's an investment in your future.
Thank for video and making easier to understand, I've emailed you regarding an insurance claim question.my name is jesus. thank you
Hi, my boyfriend recently got into a car accident. He was driving behind 2 cars on a hwy in a construction zone with a safe distance from the car in front of him (approx. 7-8ft) . The hwy was reduced down to single lane. The first car hit their break suddenly and the car behind ( or in front of my boyfriend) was a little too late to realize so she hit her break very hard ultimately not giving enough reaction time to stop. He ended up rear ending her. His car was severely damaged with a bent hood, broken bumper, damage to radiator support , potential damage to radiater and his headlights. Now he is unable to work unless the car is fixed, he is worried it will most likely end up getting totaled. He said he hit his knee on the car trying to stop in time, but told our insurance comapny its not a big deal as of yet , but will reach out if it gets worse. As his car was the last car, he was deemed as ‘at-fault’ and nothing was covered not even a tow as he was only paying 3rd party insurance. Do u think it was fair deal as he didn’t get full insurance? He told the insurance comapny that he doesn’t consider it as his fault as the driver in front pressed the breaks so abruptly that it didn’t give him enough to stop in time. And the driver in front agreed to this on scene as well. But the insurance company wont listen. He spoke to the adjuster and they refused to provide any help.
The unfortunate truth of the matter is that because he was unable to brake in time, he's most likely at fault for the accident with him and the second vehicle (and if that impact caused a secondary impact on the first car, he may be partially responsible for those damages). A tailing car in a multi-car pileup is responsible for making sure they have enough distance between them and the car in front to be able to react in time when these things happen. There can be exceptions that could apply to this, which can vary by municipality, but they are typically pretty rare.
Insurance companies typically won't pay up if you are at fault. I don't know if "fair" is the right word to use here, but it is reasonable within the system we have today.
Sorry I didn't have better news for you. I wish you the best of luck in this matter.
@@BurgerLaw I understand, we agree he was somewhat at fault here but were hoping it wouldn’t be his fault entirely. We argued why would anyone stop their car abruptly on a highway but thats how the system works i guess. He’s paying for the damages to car he hit through insurance.
@@BurgerLaw thank you for you help.
@@tarshvitarshvi7047 always happy to help!
U should have a million likes.
Thanks!
I agree
Hi! Hope you are well and thank you for the amazing video Burg! My new car got damaged during a bad hail. Progressive adjuster offered 3k while my Tesla body shop did an 26k estimate. My question is: what do I need to do to get the $26k check?
Wow! Insurance companies love to not pay out, but that one's impressive!
We don't really handle the property side of claims--just the personal injury, so I'm going to stop short of giving you legal advice here. With that said, a lot of our clients face similar issues, so here's some generic suggestions I would give them:
1) Do NOT accept any check from them until they meet a level of compensation that you are happy with.
2) Make sure they are aware of the Kelly Blue Book value of the car (prior to the hail damage)
3) If possible, a second (or third) estimate from a another shop can help prove the extent of the damage.
4) Make sure you've submitted good photographic evidence of the storm damage.
After all of that, if they are still a mile away from the actual cost of the damages, it might be worth finding a good local lawyer that handles property damage claims.
You know, I wrote a book a while ago about dealing with the insurance companies. While it's focused on personal injury, it gives some great general information on dealing with these companies, and how to negotiate with them. You can grab a FREE copy here: burgerlaw.com/legal-books/essential-questions/
Hope this helps. Best of luck to you in this matter!
nice info
Thanks! There's a ton more great info across the other videos and shorts on this channel too!
thanks!!
Happy to help!
If my insurer has worked out a settlement for my totaled vehicle from an accident (I wasnt at fault)
Am i supposed to be further negotiating anything else w/ other parties Adjusters since they call in regards to damages comp & rental needs? Would hate to 'double dip'
Thanks!
It sounds like your insurance company has your property damages handled. If you weren't injured, you're probably set. You may want to reach out to your insurance company to double check. Beyond that, if you were injured, then you would need to deal with the opposing insurance company, and possibly get a lawyer involved.
@@BurgerLaw okay, make sense. Will double check. Also what about rentals? My insu. Covered up until they reached sett. (around 13days) Is it double dipping to have the other Ins party cover a rental if your still without transportation or if they offer?
@@watchthis.5094 Unfortunately, we're hitting a point where I can't provide specific advice, due to my limited knowledge of your case and other variables. There are a number of factors at play here, so don't consider this proper legal advice. If they're offering to pay for it, I don't see a problem; however, there could be factors preventing that with your insurance company's settlement agreement.
TL;DR, it's probably fine to ask, but I can't guarantee it.
How about if both were found at fault but there insurance are sending me a subjugation letter for payment of his damages what should
That's a tough question to answer without knowing all the facts, but I can offer you some generalized tips here:
Generally speaking, it's usually wise to respond to a subrogation letter. If you don't reply, the alleged debt could end up in a lawsuit and/or collections.
Also, if both parties were equally at fault, there probably shouldn't really be a claim there in the first place. It all really comes down to how your state handles comparative fault.
The best thing I can tell you to do is to reach out to your own insurance company about this, and tell them about the subrogation letter. They'll be able to advise you on how to handle it. You may also want to reach out to a local personal injury lawyer, especially if you were injured as well. If you're in MO/IL, you can call my office at 314.542.2222 and we'd be happy to advise more directly.
Best of luck to you in this matter!
So I got in a accident I was at a red light and a guy was looking on his phone to pickup his phone and he looked up and we were stoped and he hit and Totaled our car and he hit where us my son was in the car and he was where the truck hit he was fine but we both got checked out and it’s been 3 months now and and progressive the incurrence company and they paid us the money for the car the car was worth 21 grand and they gave us 17 grand and they haven’t paid hospital bills yet and I got a call from the hospital saying that there was “unpaid bills” and progressive was supposed to pay so I’m unhappy with them and I need you help
Yikes! So sorry to hear all of that. You definitely need to get in touch with a lawyer, stat!
You can give us a call at the office (for free) at 314.542.2222. My team and I would be happy to walk you through next steps.
Also, sounds like a book I wrote a while back might be helpful to you. You can grab a free copy here: burgerlaw.com/legal-books/ten-mistakes-that-wreck-your-car-crash-case/
I had a 35mph wreck when a lady pulled out in front of me and ended up with 2 disc removed/fusion C 5-6-7 with titanium mesh and plate installed
Ouch! Hope they paid you well for that.
I was in a car accident FDNY crashed into me rushing to a emergency response, which resulted in my injuries to shoulder which I had to get surgery and now have herniated disc in my neck after having MRI again 24 months later. the case has been 3 years now. can I give u a call so we can converse of what is my possible settlement from city of New York can be
Yikes, that's horrible. I hope you're not dealing with daily pain now. Do you have counsel representing you in your case? The rules are a little different for government entities and vary from state to state. I don't usually practice in New York but we are happy to take your call at 314-542-2222 and answer your questions. I don't know that I will be able to give you a straightforward answer for what kind of settlement you can expect, but I can get you marching in the right direction.
The settlement depends on the total medical costs and future medical treatment (such as if your doctor recommended you for an additional future surgery or ongoing physical therapy) and other damages, the insurance coverage the fire department is carrying (which should be considerably higher than a typical passenger vehicle), whether any other parties share liability, and how hard the defendants fight you. If you have an experienced attorney, you probably have a chance of receiving a great settlement but I don't know enough to give you a specific number.
I have a question over a car accident . I was t bone while driving on the far right lane. Its was a 7 lane road with 3 on my side and 3 on the other side and one in the middle lane for cars to get in and out of driveway.
On my side of the raid there was traffic on my left two lane and my lane was clear to the light. I was drive about 30 in a 40. It seem like the jeep just went threw the cars on lane left of me. I didn't see enough space gap that would let me know the car was passing across.
We both have the same insurance and my adjuster want me to give a statement to the other parties adjuster. Should i do it?
Long story short, it depends. Generally speaking, I advise people to avoid them whenever possible, but sometimes it's required, especially by your own insurance. See if you can provide a written statement instead. If they insist on a recorded statement, consult your lawyer. (If you still need a lawyer for this case, and are in MO/IL, give me a call at 314.542.2222).
I actually just put out a video about a month ago on this exact topic. Give it a watch!
th-cam.com/video/h-EhMCyTKOM/w-d-xo.htmlsi=gGcVvJVMknETxARb
That you
I was in an accident where I was at a red light, and the person ran into me and my wife, we werent initially injured but she is pregnant and we went to hospital to check on the baby to make sure everything was okay, she has recently missed work due to being in pain, is there any type of settlement for this?
It's not uncommon for symptoms of injuries to pop up within a few days of the crash, especially with regards to head, neck, and back injuries. She does need to be seen for her injuries as soon as possible after they pop up. With that said, if it's minor, you might want to save the lawyer's fees and try to settle it yourself. Get some compensation for medical bills, lost wages, maybe a bit for pain and suffering. Here's an excerpt from one of my books that deals with settling something like this on your own. burgerlaw.com/legal-books/ten-mistakes-that-wreck-your-car-crash-case/settle-small-claims-by-yourself/
Best of luck to you in this matter!
I'm very difficult situation ever see my life deal with insurance companies.
So sorry to hear you are in a difficult situation. Insurance companies can be cunning and vicious. I would advise you to get a free consultation with a lawyer who deals with your kind of claim in your state. They could let you know what they think about what you are entitled to and what you need to do to get it, possibly get a lawyer. Then you won't have to speak to the insurance company anymore!
Hi I will graduated fro technician automotive and structures if I open little business how I buy or get work from auto police’s company cars accident
You know, that's not really in my wheelhouse, but I've done my fair share of marketing, so I do have a couple of tips you could use.
1) Network. Given what you do, I'd suggest getting friendly with tow truck drivers. Maybe offer them a soda/water/coffee when they drop of at your shop. That way, when they have a hookup ask them if they know of a good shop, they'll remember you.
2) Invest in a good website, and invest in SEO. One of the easiest ways to get discovered these days, including by people trying to find a fast solution from the side of a highway, is via google. If you can make it to the first page of google, the business will come!
@@BurgerLaw ok thanks 🙏 so much sir
My hospital bills were 59k$. Her fault 100%. Broke my back.. her insurance max is 25k.. with attorney cost of 33% does that mean at very most i could possibly get is 66% of 25k? Because she doesnt have any assets besides her home... my attorneys havent seemed anxious at all for my case and its been a year since the accident.. got an attorney few weeks after wreck when i could walk again.. but even explaining to them how i cant do anything i used to be able to and everything hurts al the time... havent gotten anything from the lawyers, no paperwork or anything..
Hey Zack, email us at info@burgerlaw.com and we will see if we can help you.
You have a very unfortunate case. You're most likely not going to walk away anything unless you have underinsured motorists coverage because your medical bills exceeds her liability coverage
🍔
My bills totaled 50,000. I was making 40,000 a year it has been 2 years I had back surgery. The adjuster first offer was 40,000. I got reversed by a 18 wheeler they were at 100 percent fault. How much can I ask for thank you
You know, that's a complex question, but I wrote a whole book on the situation it sounds like you're in. Here's a link to a free copy: burgerlaw.com/legal-books/essential-questions/
@@BurgerLaw thank you my lawyer just a counter offer on my end for 250,000 on my wife 127.500. The 18 wheeler was at 100% at fault. What would be a good figure to estimate my take is it fair to say that i may get 100000 all together thanks
Again, a lot of factors at play here. When evaluating settlement offers, factor in costs such as attorney fees (often a percentage of the total settlement) and outstanding medical liens. That should get you an estimate of what you're really looking at to take home.
Hey Burg, I was in an accident recently and the other party's insurance has accepted 100% liability. I am in an at-fault state. I haven't been to the Dr yet, but my neck is still feeling stiff.
They just wrote my car off as a total loss today, and I'm prepared that they are going to lowball me. I also lost my job over this. This was 2 weeks ago and they didn't mention anything about a car rental, I called them and mentioned it and just finally got one. I'm just so overwhelmed by all this. Should I get an attorney?
Hey Clark - go get some medial care for a while. Have more provable damages. they will low ball you for sure. Don's worry - get a good lawyer. email me if you want me to help. Gary@burgerlaw.com. I probably have a friend wherever you are to refer you to.
@@BurgerLaw can you recommend someone i can pay out of pocket to help with a non injury hit and run on my lexus in HOUSTON TEXAS? just need legal advice to protect myself from insurance companies lawyers.
@@comments.cuestionsandconcerns To be honest, very few lawyers deal in auto accident property damage, largely because you usually don't need a lawyer for those claims.
Now, laws vary from state to state, and if we were talking Missouri or Illinois, that would be one thing, but I'm not on the bar in Texas. I did some searching, and found a great guide for you from a Texas PI lawyer about how to handle this in Texas, which might help. (Note: I am unfamiliar with this firm, but it sounds like solid advice in the guide, so I don't mind sharing it. I make no endorsement about the firm itself) www.simmonsandfletcher.com/wp-content/uploads/2021/07/Texas-Property-Damage-Claims-Guide-pdf.pdf
Best of luck to you in your claim!
@@BurgerLaw you are awesome. thanks.
@@BurgerLaw i'm realizing that the adjusters get there marching orders from the companies lawyers. how does a lay person even have a chance negotiating when i have to actually go against a lawyer? if i'm not able to hire a lawyer to speak for me in just a property damage claim are their other groups or organizations that specialize in taking on the insurance companies lawyers that i can hire?
Should one worry if their own attorney uses Allstate?
There shouldn't be a conflict of interest here.
@@BurgerLaw Thank you! I feel a bit better now.
Always ask for 4 times your medical bills and then negotiate from that point
Honestly, not a bad tip! It's always good to negotiate from above your goal. The only word of caution I have here is to be careful to not throw out comically big numbers, which could happen if you have high medical damages.
Ultimately, the goal is to fully and fairly compensate for medical, lost wages, pain and suffering, etc.
We typically look at what we believe is our goal settlement, then shoot quite a bit higher--but not astronomically so--to give us enough wiggle room to negotiate down to our goal.
My health bills were run through my health insurance. The accident was the other guy’s fault and has a policy with $30K max for bodily injury. Do I share with his insurance company what my insurance paid and my copay’s? Or do I share with them only the bills before my health insurance paid? My health insurance subrogation dept said by law they can only rake 50% of the $30K and my copay’s are are $5K.
What do I share with the other insurance company?
Thank you for contacting us with your question/comment. I am not sure if you provided a medical authorization to the other drivers insurance or not but if so they might have already requested your itemized medical bills and/or your health insurance might have already advised them of their subrogation lien. Therefore, the insurance company would know both the billed amount and the amounts paid. Without further details on the case and current status, I cannot fully answer your question. Since we are not the legal team representing you on this matter, I would reach out to your attorney or you can contact my office at 314-542-2222 to discuss further.
How did it go with your insurance claim? I'm in a similar situation where my health insurance has paid out my bills and I had a small copay. My doctors never gave me "bills". The doctors only billed my health insurance, so those are the only itemized bills I have of the entire accident and it shows the original amount and the amount that they paid out to the doctor. Now I'm trying to figure out what I show to the auto insurance adjuster from the at fault drivers insurance company. I was thinking of blacking out what the insurance company paid since legally in my state I am allowed to get the full amount of the billed medical. I do have to pay my health insurance company back for what they paid, but legally I get the full amount and pay my health insurance back their portion.
@@khloe38 I’m trying to remember, looking at notes…the other guys car insurance paid my BCBS $15,000 directly and they paid me $13,065 (so ended up shy $1935 of the $30,000 total). I think BCBS disclosed to auto insurance what the copays were? I know I paid ortho doctor, physical therapy, ambulance, RX’s and in the end the copay/coinsurance for the hospital (ER, surgery, not quite 24 hours there total), was around $3000 and I got the hospital to cut that in half by saying it was a hardship, and I think the auto insurance provided a statement to help with that…because on the other side, property damage they generously gave me $6000 for my old car, but it wasn’t enough to get another car with.
Bravo! 👏🏼👏🏼👏🏼✅
Thank you!
I have a question. My ex girlfriend got into an accident in her new boyfriend's car last year. She was insured on my insurance as a driver but none of the cars on my policy were in the accident. But now there is somehow a claim on my policy for an accident involving a car that wasn't even insured on my policy. So my question is how did they file the claim against Me when none of my insured vehicles were in the accident. It wasn't driver insurance. Just vehicle liability.
Go to r/legal advice on Reddit
@@god-son-love ok thanks
I hate police officer he daid why i go o to hospital since the car has no damage. I m still have headache ,dizzi and body pain.
Well, fortunately, it doesn't matter if your cop understands how whiplash works. Whiplash often occurs when there is minimal damage to the vehicle.
Worth noting, sometimes these claims can be difficult to win with the insurance company, so if your injuries are severe enough, you may want to consult a lawyer. If you're in MO or IL, give my office a call at 314.542.2222 (it's free).
Also, here's a free copy of a book I wrote on car accidents. Might be worth a quick read: burgerlaw.com/legal-books/ten-mistakes-that-wreck-your-car-crash-case/
Best of luck to you in this matter!
hlo
I hate police officer he daid why i go o to hospital since the car has no damage. I m still have headache ,dizzi and body pain.
You know, there are still a lot of forces at play when we talk about the physics of a car crash. Even if there was minimal visible damage on the car, that doesn't necessarily mean that there was no force that acted on the car.
Sudden forces causing rapid acceleration or deceleration of a vehicle can apply severe force on your neck and spinal column, which can cause whiplash, bulging discs, soft tissue injuries, and more. We have a number of videos and shorts on this topic on our channel, and they are definitely worth a watch.
My best suggestion to you, is to get yourself checked out as soon as possible. If you have any sort of condition such as whiplash, you'll want to report that to insurance. It's also worth noting that if it's severe enough to necessitate serious medical attention, you're probably going to want to consider lawyering up; I've got a feeling they'll try to use the lack of visible damage to the car as justification to try and deny your claim.
If you're in Missouri or Illinois, give us a call at 314.542.2222, and we'd be happy to discuss the case with you further.
Oh, and I've literally written the book on how to deal with a car crash. It might help you navigate all this. You can download a free copy here: burgerlaw.com/legal-books/ten-mistakes-that-wreck-your-car-crash-case/
Best of luck to you in this matter!
@@BurgerLaw Thank you very much. I knew that I have pain on body still got headache and dizziness. I live in ON, Canada.
@@MustKnowStory I must admit, I'm not familiar enough with the Canadian system for this, but I'd imagine a lot of what I said still applies. I'd touch base with someone local who knows Canada's laws better than I do.
@@BurgerLaw Thank you I am at doctor office now. I have one referral lawyer to contact.
@@MustKnowStory Sounds like you're on the right track. Good luck!