How much settlement money for car accident?

Question

I was involved in a car accident approximately one year ago. The other driver was found to be at fault. I had approximately $10,000 worth of medical bills. What is a reasonable settlement amount I should ask of her insurance company?

Addendum: It was a low back injury and neck sprain. I had physical therapy for one year (as much as my insurance would pay). I am 27. My back is doing better, but still hurts after certian activities, but I am told that I could have exacerbations for quite awhile. I am a self-employed medical transcriptionist so it is hard to prove my missed work.

Answer 1

We need more info. The amount of your medical bills is not the determining factor. How old are you? What kind of injury did you have? Have you been injured like that before? Any other complicating health factors? What kind of treatment and for how long? Did you miss time from work? How much? Don't listen to anyone who says three times your medicals. That is not the case. You could get less or even more depending on what you're dealing with. And no figure anyone here gives you will be what you end up getting paid. All claims are handled case-by-case. There's no set value.

Addendum- First of all, a year of treatment for a sprain/strain is excessive. Soft tissue injuries usually resolve with NO treatment in 6-8 weeks, 12 worst case scenario. That is going to be your biggest hurdle settling this claim. Forgoing your wage loss, knowing it's just soft tissue, you can probably expect the pain and suffering to break down this way- 1-2k for the first month, 500-1,000 for the second, 500 for the third, and then- if they are nice enough to consider the other 9 months, about the same. I've handled claims for 16 years and I have never considered a full year of physical therapy for someone who didn't break something, have surgery, or both. To compromise, they might throw you something like 7500-10 if they really, really want to work this out with you. Basically though, this kind of injury is worth about 5k (assuming we're dealing solely with pain and suffering).

Answer 2

I would recommend one to try this internet site where onel can get rates from the best companies: http://INSURECOMPAREQUOTES.US/index.html?src=2YAunuM6c0yo

RE :How much settlement money for car accident?
I was involved in a car accident approximately one year ago. The other driver was found to be at fault. I had approximately $10,000 worth of medical bills. What is a reasonable settlement amount I should ask of her insurance company?
Update: Addendum: It was a low back injury and neck sprain. I had physical therapy for one year (as much as my insurance would pay). I am 27. My back is doing better, but still hurts after certian activities, but I am told that I could have exacerbations for quite awhile. I am a self-employed medical transcriptionist so it is hard to prove my missed work.
2 following 14 answers

Answer 3

10K in bill for a back sprain is WAY too much. and depending on your state, you may have to pay back this money with the settlement you receive from the other person's ins co. Therapy for soft tissue injuries is ususally 3 months max and if there is no improvement, you should have seen a orthopedic doctor for tests. Honestly, you will be lucky to cut even, and your bills could = or be less than the policy limits the other driver had.
Best bet= talk to the adjuster, see what they want to offer you, it could be more than you expected, or it could be that they feel that you overtreated and will give you a portion of your bills.
IF you get an atty, his money comes off the top 1st, then the bills, then you get the crumbs left over if there are any.

Answer 4

Hello everyone,

The other answers were already quite good and information but I also have some advice for you. It is true that you won't be able to find all information you're looking for here without more detailed information. You might want to have a look at this site that has helped me in the past. It's called http://settlementfaqs.com/ if I remember it correctly. :)
You can just browse through the site or search specifically for your desired topic that you're interested in.

I hope this helps,
Michael

Answer 5

Cops are not going to help cause this is a civil matter. Unless you live in one of the few states were you do not become an adult at 18 and the settlement money was paid to you, then he should have no control over it and your only option would be to sue him for the money. Sounds like he is using it to control you and unless your education is being paid for out of it and there is no signed contract where you gave him control of your money, it should be yours to do as you please.

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Answer 6

For God's sake, listen to Chris on this one. You are getting a lot of (the usual) bad advice here. 10K for meds in this climate of looneytoons medical costs is not really that much. If (and I hope) you are getting well and will make a full recovery then try to be practical -- slamming the other parties insurance company for revenge won't get back at the driver. Follow your head vs your heart and remember...lawyers ALWAYS get their money no matter who wins.

Answer 7

It is a fact that no one condition reflects sciatica and it would be prudent to refer to it as a generic medical term encompassing lots of symptoms that taken together describe a lower back pain that a patient suffers from. When someone complains of severe back pain that passes down to legs through his buttocks, even down to his feet and toes, doctors suspect him to be suffering from sciatica. Often sciatica presents itself as numbness or a tingling sensation that may not be anything like the severe pain commonly associated with sciatica. This tingling or numbness may be felt by the person when he engages in some activities.


On this site you can find very good tips on how to treat your sciatica: http://curesciatica.toptips.org
Cheers.

Answer 8

I would recommend you to try this internet site where onel can compare rates from different companies: http://insure-cheap.info/index.html?src=5YAxnu68umH27deW1

RE :How much settlement money for car accident?
I was involved in a car accident approximately one year ago. The other driver was found to be at fault. I had approximately $10,000 worth of medical bills. What is a reasonable settlement amount I should ask of her insurance company?
Update: Addendum: It was a low back injury and neck sprain. I had physical therapy for one year (as much as my insurance would pay). I am 27. My back is doing better, but still hurts after certian activities, but I am told that I could have exacerbations for quite awhile. I am a self-employed medical transcriptionist so it is hard to prove my missed work.
3 following 16 answers

Answer 9

1

Answer 10

You need to consult an attorney to be sure. Ideally, you'd have worked with one from the date of your accident, but maybe something can still be done. Don't wait a day, though. Statutes of limitations may be ticking!