what should I expect for an auto claim for facial scaring and back and neck problem?

Question

I was i n an accident in my fiance's blazer that my sister was driving when we flipped 4-5 times. I was the only person injured and have permanent facial scaring and back and neck problems. I have had 3 catscans since and my insurance has stopped paying my bills and now want to close the claim Tuesday. What is a good offer to settle with?

Answer 1

This is a difficult situation to determine given that there is no determination of whether or not you will be unable to function normally or how long such restrictions might apply.

If you have legal council it is best to have them represent you in this matter...dealing with an insurance company normally means that they will settle for far less than you may need in order to pay for current and upcoming medical expenses.

Cosmetic surgery for the scarring (if this route is taken) can run into the thousands alone, repetitive physio can also become costly. Should you be permanently affected by the neck and back injuries or should any surgery be required now or in the future...the claim should be dealt with to recognize these possibilities.

Ask for more than you need and settle for less...but don't go below the amount that you and your lawyer have determined is adequate.

The insurance will probably balk but that is the game that they play. If you go this alone with no council...be prepared to struggle through any settlement and expect it to be dragged out...their main goal will be to deplete you of funds so that further pursuance is doubtful. Stick to it and fight for what you will need to get you back to a functional life.

Good luck with this.

Answer 2

There is a couple of matters we must realize right here... first of.. simply to supply you a heads up... for the reason that your sister was once at fault for your fiances auto- your fiances coverage might be paying out your physically harm... you do realize that this payout will broaden his auto coverage premiums proper? Just being certain... b/c your essentially getting cash from him- i dont know the way joyful he's approximately that. But that apart- Did your coverage quit paying costs considering your performed treating? or considering you ran out of cash to your coverage? Were three catscans your simplest remedy? How have you learnt your neck/again discomfort is permenant and what form of facial scarring are we speaking approximately? All those are tremendous elements. More main points are had to reply adequately. And only a heads up.. to some of these persons who will nodoubt inform you "get a legal professional!" Insurance corporations supply the EXACT SAME AMOUNT without reference to you probably have a legal professional or no longer. They base settlements on accidents- no longer whether or not you've a legal professional. And a legal professional will take one million/three of your cost if thats the course you make a decision to take. Talk to the adjusters first and notice if you'll be able to come to an contract earlier than you allow any individual have one million/three of your cash. **edit** It wont cross up mainly till the harm is paid out- essentially he now has an at fault loss on his coverage with an harm to be able to possibly rate hundreds and hundreds of bucks. Trust me- im no longer announcing this your fault or that you just shouldnt pursue- im simply announcing to mean you can realize. First- you must uncover out his coverage limits- for bi- this might be a huge aspect. With facial scarring you might appear at a number of thousand greenbacks possibly tens of hundreds and hundreds- the adjuster will realize whats its valued at and support you alongside the way in which (i promise- they arent the enemy!) If you dont suppose its sufficient... lightly ask if they are able to cross larger to settle it. No one will realize the designated quantity its valued at- cross speak to them- see what they are saying- cross dwelling and feel approximately it when you dont suppose secure- and take it from there. If finally this you're nonetheless uneasy- then its time to talk to a legal professional.

Answer 3

Get a lawyer because you are not going to get anywhere near what you should. I would settle without having a lawyer present.