A little over a year ago, I backed into my 23 month old daughter with the our car. A few months later our car insurance called and offered to settle her claim for $850. We were suprised that my daughter would get anything since I was the one that hit her. Our insurance explained that it was just like her getting hit by someone else, or me hitting another child. We wanted to make sure all her medical bills were being taken care of and our car insurance said yes they would. But we found out they didn't know everything she had been through and what her injuries were. Now our car insurance has all the bills and the medical reports from the hospitals that she went to. Tomorrow they are suppose to call and offer a new settlement. My wife called around to both hospitals and both ambulance companies that we used and all the bills were about $10,000. Were not greedy, but we want to make sure my daughter gets all the money she should. That's what the insurance is for after all.
2007-03-26 19:37:28 · 3 answers · asked by Jake W 3 in Cars & Transportation ➔ Insurance & Registration
Hypothetically if you had hit someone else's child, the insurance company's job would be to make sure you were protected against direct claims against you. So you should expect the same deal they'd give to that other hypothetical parent. that might not necessarily pay all your bills, but I'd reasonably expect it to cover the majority.
I'd imagine they are experienced in dealing with hospitals too. Hospitals charge a ridiculous "list price" to walk-in patients, but insurance companies pay a much reduced and fairer price called "reasonable and customary" to settle the bill. maybe they're gonna work some of that mojo so they pay less and you're off the hook.
That's gotta hurt, my dad broke my leg accidentally in a sledding accident when I was 5, and he felt really bad about that for a long time. It can happen to anyone.
2007-03-26 20:02:42 · answer #1 · answered by Wolf Harper 6 · 1⤊ 0⤋
Amazing. You begin out declaring that you just did not suppose you have been going to get something due to the fact it used to be your fault and also you finish through getting grasping and in need of to know the way so much you are going to get and also you wish to be certain you get up to feasible. Don't say you are now not grasping. You ARE grasping. You detect if you do not just like the payment present, you are going to have got to sue your self due to the fact you have been at fault? By the way in which, due to the fact your daughter is an boy or girl, any cash SHE gets over and above scientific costs, will have got to pass right into a believe fund for her till she reaches age 18. As for what form of payment you will have to anticipate, I do not know. I wager I'd for my part be completely happy in the event that they included all of the scientific costs and I'd be thankful that I did not kill my child. Additional Info - It WILL pass by way of a courtroom for approval. All the states that I understand of mandates that damage settlements for minor kids be authorised through the courtroom and the childs budget be blanketed.
2016-09-05 17:24:38 · answer #2 · answered by stoll 4 · 0⤊ 0⤋
Why didn't they know everything that she was going through? They will ask why they weren't infomed.
2007-03-26 19:57:49 · answer #3 · answered by TedEx 7 · 0⤊ 1⤋