Insurance Settlements?

Question

I would like to read some of your experiences as far as settlement amounts for MVA with minor injuries. How much did you get, how long did it take to receive the settlement amounts, was the adjuster rude? My totals are as follows:
Vehicle damage - $7,300.00
Rental - $2,600.00
Loss of wages - $1,640.00
Doc bill - $1,100.00
Total disabled - 1 week
Partial disabled - 30 days
Injuries:
Bruises on lower back, contusion in left shoulder, neck & back sprain, light concussion.

The other driver was at fault - ran a red light and T-boned my car

Answer 1

Rental amount irrelevant.

Vehicle Damage supports decent impact.

Unless you were given a specific disability rating by the AMA, which you would not be for the injuries described, then you were not disabled.

Bruises and scraps (contusion) are worth very very little - $50-$100
Concussion since minor again worth very little. - $200-$400
Neck & back sprain. I am assuming by small amount of meds that you needed little treatment (no PT or chiro) but I would really need to know how much you treated before making an estimate. For fun I will assume that you had ER visit with 1 GP visit and you were sore for a month afterwards. I would give you $400-$500.

You would be reimbursed for wage loss if medically documented as being released from work - you just can't stay home on your own and be reimbursed for it. Med reimbursement depends on state.

So I would estimate your pain and suffering alone to be worth $650 - $1,000. I know you think it is worth more and it may be but keep in mind I am going off of limited information. If you needed additional treatment I would put the settlement on the upper end of the scale. I also am not aware of what your venue and state laws are like. It is possible that you do not even meet the qualifications for the claim. Something to keep in mind is that your amount of meds are irrelevant and do not play into the settlement of your claim. If you have heard 2 or 3 times meds - forget it, that is not how claims are settled due to the high $ amount of diagnostic testing now a days.

With that said it will take the adj anywhere from 6-12 weeks to get records depending on who they have to get them from and another 15-30 days to review. This is a busy time of year for adj with all the bad weather.

Answer 2

First off do you've gotten a legal professional? Second it's not relevent whether or not her present carer of option will likely be affected, on account that if she so makes a decision to difference later she could also be confined to what she will do. Third she has misplaced an capacity to some thing she was once born with. Fourth there demands to be a payment quantity for any long term scientific invoice or healing that can come forth. On most sensible of all that, all her scientific will have to be payed in complete and sure there will have to be repayment for soreness and ache. Her time she has spent out and in of Dr.'s and so on. might have be spent or else, however do to an twist of fate she was once now not competent to spend her time doing as she could have selected. Don't be afraid to allow them to realize that she is a priceless human that has been suffering from a mistake she didn't make. Good good fortune to you 2.

Answer 3

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RE :Insurance Settlements?
I would like to read some of your experiences as far as settlement amounts for MVA with minor injuries. How much did you get, how long did it take to receive the settlement amounts, was the adjuster rude? My totals are as follows:
Vehicle damage - $7,300.00
Rental - $2,600.00
Loss of wages - $1,640.00
Doc bill - $1,100.00
Total disabled - 1 week
Partial disabled - 30 days
Injuries:
Bruises on lower back, contusion in left shoulder, neck & back sprain, light concussion.

The other driver was at fault - ran a red light and T-boned my car
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