I was involved in an auto accident where the other driver did a felony dui hit and run. Mother's against drunk drivers suggested we keep a daily journal of our injuries. I started at day three keeping a journal describing our experience, daily obstacles due to our injuries, etc. basically a paragraph per per person.
Now we are done with our medical treatment and ready to negotiate a settlement. Basically the insurance co is not wanting to pay our medical. So I have a potential fight on my hands. To make my case, would it be a good idea to submit copies of our journals to this adjuster? And why, or why not?
Basically the content of the journal simply states what we did and were limited to each day. Describes pain, tasks, doctor visits etc.
2007-05-12 16:46:09 · 7 answers · asked by Anonymous in Business & Finance ➔ Insurance
You could submit your journal - but it depends on if it would help your case or not. What you could do is let the insurance company make you an offer, and if you do not like the offer, or do not feel it is fair - use the journal and your entries to start negotiating and arguing your case. When you do negotiate your claim with the insurance adjuster - do not argue dollars, that is not a valid argument - if you actually have points to argue - impact on your life, pain, etc.. then that is valid arguments that can help the adjuster justify an increase in their settlement offer. If the journal is just you being whiny, then don't send it, it might just offer you better negotiation points, so you should keep it to your self.
Now if the case were to go into litigation, then discuss with your attorney on what he/she thinks is best.
2007-05-13 17:54:14 · answer #1 · answered by S17V 4 · 0⤊ 0⤋
It is good to keep the journal, if for no other reason, for you to be able to recollect all of the details. Your attorney will have more use for it than the adjuster.
The insurance company should already have all of your medical information, which they will use to come up with a settlement offer. Keep the journal, just in case you need to get an attorney.
Be careful with some of the replies you have received on here. Having an agent answer a claims question is like asking the guy that sold you your car, how to work on it.
2007-05-14 05:06:02 · answer #2 · answered by bearmeister34 2 · 0⤊ 0⤋
Nope, save it for the jury.
If the adjuster isn't willing to pay medical, there's something else going on. If the insurance company admitted fault and paid for your physical damage, you need to know WHY they aren't paying the medical - are you a no-fault state for medical? Is the operator excluded, so they aren't paying for ANYTHING? Was the policy maybe not in force?? Are they saying you're at FAULT for the accident (highly unlikely, if the other driver was drunk).
The journal isn't going to be relevant until it comes down to "pain and suffering" - what matters is finding out why they aren't paying any medical. You might want to run it past your OWN auto agent.
2007-05-12 17:11:44 · answer #3 · answered by Anonymous 7 · 1⤊ 0⤋
They don't want to pay, but they will. I would not give up the journal. You may need it if you have to go to any kind of jury trial, but other than that, your case is pretty much cut and dry. Keep strong and you will persevere. They were in the wrong....period.
I hope you are doing well, and have no permanent injuries as a result of your accident.
2007-05-13 03:38:37 · answer #4 · answered by nurse ratchet 6 · 0⤊ 0⤋
do not black something out. If/while the different coverage corporation will pay, they could pay the full billed quantity. if your scientific wellbeing coverage corporation has paid countless the bill(s) the automobile ins. corporation will might desire to reimburse them. i decide to advise which you talk along with your individual coverage corporation for suggestion. you're often a lot greater effective off letting your individual coverage corporation pay and then enable them to flow after the different corporation for reimbursement and with each and all the little info which you're maybe unnecessarily in contact in now.
2016-12-11 07:57:15 · answer #5 · answered by jaffe 4 · 0⤊ 0⤋
Don't get enough information an you can screw yourself. Too much and all you have to do is sort it out.
You did the right thing.
What does your ins co recommend? I assume you did notify them and are keeping them posted.I'd ask them who to send copies to, the adjustor, company, attorney,whoever.
2007-05-12 16:55:25 · answer #6 · answered by TedEx 7 · 0⤊ 0⤋
It's time to hire a lawyer. Insurance companies claim to look out for your interests, but they don't, they are in it to save themselves money.
2007-05-12 16:57:11 · answer #7 · answered by HAGAR!!! 6 · 0⤊ 0⤋