I had no idea that I'd get blasted like I did! What I should have included in my original question is that we were completely dumbfounded to find out that we were going to receive any money from our insurance company. I didn't ask the question because we intend to get rich or something or just to sue someone for sport. We are not suing anyone!! I asked the question because we didn't expect to have the adjuster ask us what we thought the scar was worth and we had no idea. We paid all the co-pays for the medical expenses and treatments because we thought we were supposed to do just that. The insurance company is just paying us back for that expense and that was a terrific surprise in itself. Neither of us gave any thought to asking for money for my wife's scar and anything we receive will be more than we expected. I was just asking for opinions because we ARE getting money for this WITHOUT asking but we don't know what to expect. We are not greedy slobs looking for a free ride!
2006-10-06 17:49:19 · 6 answers · asked by pseudalus 1 in Cars & Transportation ➔ Insurance & Registration
The claims examiner should not be asking you what you think it's worth. Well, actually that's not a bad question to ask, but if you don't know, you are allowed to say that and ask them to make you an offer which you can think about.
A keloid scar is permanent and that scar is located on a visible part of the body, so it is worth more than one, let's say that can always be hidden by clothing, or by hair, or shoes, etc. Six inches is sizeable. I would say at the very least (and I don't know where you are and location of the accident -venue- makes a difference here) it's worth $15,000. If you anticipate future plastic surgery to try and repair the scar and make it less noticeable, then you'll need an estimate and a report from a plastic surgeon about that. Not sure how old it is either. The 15-25k ballpark is pretty reasonable. You may not be interested in that much, and if not, don't ask for it. I'm just saying as far as my experience goes that's the value. If it was just a scar still healing, maybe less- but a keloid is not a good thing and it's considered a disfigurement; albeit not the most severe. It obviously has more value on younger people and if you have an occupation (think modeling, etc.) where your ability to work will be affected. Best to start out asking for a high number, and be willing to come down.
Based on the fact that you didn't even expect this, if you're comfortable just plunking a number on top of your co-pays in the $5,000 range they'd jump on that in a heart beat. Do what your conscience tells you, but that's my two cents regarding value. Our advice is worth exactly what you paid for it.
2006-10-07 09:55:15 · answer #1 · answered by Chris 5 · 0⤊ 0⤋
This is very typical of nose piercings. The reason they tell you to use warm water is so the salt will disolve. Otherwise it will just sit at the bottom of the water. I don't recomend changing your jewelry for another month or two. Any piercer should have also recomended that when you first had it done. Changing jewelry without be COMPLETELY healed will only irritate the already irritated piercing. The number one thing you should do is NOT TOUCH IT!!!! At all EVER! Only when you are cleaning it when you are in the shower. Touching your piercing (especial pushing the stud out) will inhibit the healing process. The flakes are normal. Your piercing is still healing. They take quite some time to heal.... I would say 6 months atleast. Remember its a puncture wound its through a pretty thick piece of cartilage. A keloid is very likely possibility... although it sounds to me like its a "puss bubble" For lack of a better term. I had one as well and what i did (I know this is gross) but I pushed my fingernail on the outher side of it and pushed towards my piercing. It basically pushed all the gunk that was in the bump out of my piercing(almost like popping a zit but not breaking the skin) and then eventually went away. I also occasionally get them on my nipple piercing and the same method gets rid of them. It's just bacteria that is trapped and has no means of releasing itself because the jewelry is blocking it's only exit. I worked in a Piercing studio for a few years and the piercer I worked with NEVER told people to do what I did.... and the lumps only sometimes went away. I secretly told a girl to do what I did. She came back in shortly after and said what I told her to do worked. It hurt, but it worked.
2016-03-18 05:59:16 · answer #2 · answered by Anonymous · 0⤊ 0⤋
The reason anyone assumes anything is because you don't give enough information in your original question to get a good answer, simple as that.
2006-10-06 20:30:19 · answer #3 · answered by oklatom 7 · 0⤊ 0⤋
Got blasted, did you? People on this site are real sensitive about that kind of crap! Scaring, like any disfigurement, SHOULD be compensated for and you should not feel one damn ounce of guilt for asking for and recieving it. No, it shouldn't buy you a vacation home on the beach or fund your retirement. Sadly, there is a huge segment of our 'guiltless' society that feels that way. Glad to hear the insurance company offered vs you having to beg and/or demand. Bad claims practices hurt all of us.
2006-10-06 18:00:19 · answer #4 · answered by Anonymous · 0⤊ 1⤋
Add up all your medical bills plus extra. If the scar is bad, a plastic surgeon can usually minimize it. See if you can add that on.
2006-10-06 17:52:37 · answer #5 · answered by Fleur de Lis 7 · 0⤊ 1⤋
just take the money and dont look a gift horse in the mouth, maybe she can get that scar removed with that money, poor lady.
2006-10-06 20:20:44 · answer #6 · answered by Anonymous · 0⤊ 0⤋
Yup, these folks can be pretty brutal
2006-10-06 17:52:28 · answer #7 · answered by aQTinMVny 3 · 1⤊ 1⤋