Hey SW,
I posted about this in ladies only but thought the blues might be of some help
So I got rear-ended on Saturday. The police came & wrote her a ticket. I had a severe headache and neck pain, so my friend took me to the ER. Got diagnosed with neck sprain (whiplash is a bad word apparently). My shoulder is also messed up and my PCP diagnosed me yesterday with an additional deltoid sprain/tear, he couldn't tell exactly which without further tests.
Damages: I've missed 3 days at the club since, plus Dr. told me to leave it alone for another 5-7 days.
The car repairs today were estimated at $7400, BEFORE they look inside. They are pretty sure there's additional damage underneath and it could go up to $12kBody shop guy said I am entitled to diminished value as well, since the car is nearly new... ballpark on that is probably $3-$5k. My medical bills aren't terribly high, I would guess an ER trip plus x-rays plus my PCP yesterday is around $2000. I haven't been told to see a chiro or anything yet, it's in the 'wait and see' phase so I can't grand-total those yet. Then we have lost wages which is its own bucket of worms; the lawyer I did consult with said that for proof, he could take a letter from the club stating my range of profit per shift plus how long I've been gone from work. Add pain & suffering which is completely random what the insurance co agrees to give out.
I was not keen on hiring a lawyer bc I don't want to give up ⅓ of my settlement money. This isn't a 6 figure case where there's tons of extra money flying around.
HOWEVER, I am having issues with the other party's insurance already. It's a 'subpar, high risk' company, and everyone I've spoken to says they are a nightmare. The body shop guy said he's had a car there for 2 months bc they're refusing to pay suddenly. They don't have one good review on the entire internet.
My insurance (a big name company) spoke to them on Monday, then called me to say "Ok they took liability, said they're paying for your repairs & a rental car, case with us closed, call them". Their adjuster did not return my phone calls for 2 days and is now out of the office. I got patched to someone else, who rudely told me they needed a statement from me and had NOT taken liability, and "your insurance agent does not work here so he doesn't know anything", then hung up on me.
So, with all the random things I'm going to have to claim for, and what this company is already showing to be their "customer service", should I lawyer up or try to handle it alone?




Body shop guy said I am entitled to diminished value as well, since the car is nearly new... ballpark on that is probably $3-$5k. My medical bills aren't terribly high, I would guess an ER trip plus x-rays plus my PCP yesterday is around $2000. I haven't been told to see a chiro or anything yet, it's in the 'wait and see' phase so I can't grand-total those yet. Then we have lost wages which is its own bucket of worms; the lawyer I did consult with said that for proof, he could take a letter from the club stating my range of profit per shift plus how long I've been gone from work. Add pain & suffering which is completely random what the insurance co agrees to give out.
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