auto accident, insurance co denies claim, need help?

Question

1. Sitting at red light, a drunk driver hit us hard directly square in rear bumper. Damage to his car=totaled. Our vehicle $600 and bumper's main support system absorbed impact. It crushed the shell and absorbance foam. Impact was estimated to be at 20-25 mph.

2. My daughter in back seat sustained neck, shoulder and lower back injuries. All soft tissue.

3. Hospital bill was $2000, chiropracter $12,000. MRI that came back normal in the shoulder area, showed limited findings. $1500.

4. Today, the aduster contacted our medical provider and said he would not pay any of the medical bills! His reason, "damages to our vehicle was only $600! He did not call us, he called our doctor! Is this unethical and intimidation tactics? When the accident first happened, he said his party was at fault and to seek any medical treatment we needed, now this? He waits until my daughter is almost done with treatment?

5. Talked to several experts, said despite damages, impact was significant. help

She was injured, the medical reports showed this. The treatment was totally reasonable! Nobody tried to "rack up anything." Only damages I have ever sought is for the darn medical bills to be paid. How does this benefit me?????????? I had to miss work to take her, she was pulled from her ice skating routine, etc, etc. All for what? To make a doctor rich? I don't think so! What a crock of chit! Wait until you're sitting at a red light and a drunk driver slams into you doing 30 mph, After your done puking at the scene, tell me how you feel. When you wake up the next morning and can't move, tell me how the adjuster should not allow you to get some minor medical treatment? Tell me?

Answer 1

I beg your pardon but someone racked up the bills, and if not your daughter, then who? $12K for a dc for soft tissue injuries is very much unreasonable. Soft tissue injuries resolve on there own without treatment 6-8 weeks any doctor will tell you this. If she received treatment the recovery time shortens. As for the MRI...why was that needed? If there's no complaint of radiating pain what was it for? Gee, I dunno, to build up the bills? Those things cost $300-500 but yet you're charged $1500 + for what...something that apparently wasn't needed.

Unfortunately for you your daughter is the victim of a greedy dc and attorney if one is involved. It's called insurance fraud, where the doctors build up the bills then "reduce" them to the actual cost and they pocket the money that should be going to your daughter.

As for the damages vs. the injury. Hello! Cars today are designed to absorb the bulk of the impact and prevent injury. The fact that one guys car was totaled only proves his obviously wasn't designed with safety in mind whereas yours obviously was. But okay, I'll buy your daughter was hurt...but not $15,000 hurt....sorry to tell ya, but you've been had and it wasn't buy the insurance company.

And by the way...this insurance company has no contractual obligation to you or your daughter. It's someone else's policy, not yours...they don't pay any medicals because they don't have a signed contract with your or your daughter that says they will. So when the DC calls them to see if they're "paying your bill," the correct answer is NO, your daughter isn't their beneficiary. As for him telling you to get treatment...I don't know, someone says their hurt, isn't the logical thing to do is see a doctor????? I don't need an adjuster or a lawyer to tell me this.

Answer 2

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Answer 3

haha.. gee.. you were trying to milk this one werent you? You are having an absolutely ridiculous uncalled for amount of medical bills.


900 dollars worth damage CANNOT i repeat CANNOT cause that much injury. Yes, i understand.. your bumper was damaged and well as the impact absorber... that is NOTHING.

Why on earth would you try to get that much money? I Hope you werent the victim of a horrible doctor that was trying to get the big bucks... I also hope you learned a lesson here.

without sufficient medical findings and permenant injury and PROOF.. the are perfectly legally able to do this. You did not seek reasonable treatment for this accident.. you went way up and beyond.... the only person being "unethical" here is you. I bet your daughter really loved all those massages she got at the chiropractor to rack up that bill didnt she? And people wonder why insurance companies are so suspicious of everyone and why insurance is so high..

Answer 4

1) I personally think the 12000 chiropractor bill sounds a bit excessive. It's just my personal opinion, as most chiropractor visits should not exceed $100 or $150, IMHO. However, if your chiropractor can prove the charges with itemized billing, then by all means go for it.

2) I don't know about your state, but in CA, liability insurance has several components: a bodily injury liability (i.e. pays for medical claims of injury such as yours) and property damage liability (i.e. pays for damage to car, house, whatever the per actually hit, but not bodies). CA minimal limit is only $15000 per person, $30000 total per accident though most people buy a bit more. The two coverages have separate limits. The other side should not be mentioning them together.

3) I'd call that adjuster (you should have his/her number) and ask him point-blank: are you denying our medical claims? Sounds like a yes. If so, demand that decision IN WRITING with a reason. Then you should contact either your own insurance to let THEM deal with the hostile adjuster, or contact an auto injury attorney and let him deal with the hostile adjuster.

Answer 5

ok first off let me say that those medical bills are not out of this world. when is the last time you people where actually hurt and needed treatment? now, on to your claim. first i would speak to your insurance agent or company and let them know whats going on. yes, theres a problem with them denying to pay. also, you SHOULD be carrying medical on your policy. if you are, you can have YOUR company pay up to your limits on those bills. then they will turn around and subrogate back to the other parties company for payment. this may not pay off all the bills, but can help. next, talk to the adjuster from the other parties company and if you get nowhere...HIRE A LAWYER. from that point on they will have to go through your lawyer for anything. If youget a good personal injury lawyer, you should be able to get them to pay. he should also be able to get you paid for time lost at your job due to the accident. i know it sounds severe, but insurance companies perk up a little more when a lawyer gets involved! good luck

Answer 6

How soon after the accident did you seek medical help for your daughter???
Were the injuries mentioned on the police report???
We need to know this info before we can form an opinion.

Answer 7

Who cares about the damage to the car. What is important is the damage done to you and your riders. Get a lawyer and go after the guys insurance.

I was hit in the side where the door was pushed into my leg and trapped between the steering wheel and door. The door replacement was $300 and paint was another $500. How does that equal up to the pain and damage done to me? It doesn't. Get a lawyer. Insurance companies will try to wait you out, hoping you give up. I ended up only getting $30,000, but it took over two years.