gsquaredmom
Pearl Clutcher
Posts: 4,080
Jun 26, 2014 17:43:22 GMT
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Post by gsquaredmom on Apr 15, 2016 22:29:36 GMT
I smell a couple of lawsuits coming If insurance companies weren't of the most assholian of proportions, lawsuits wouldn't be the norm. I'll bet you $10 that when she goes to file a claim, the insurance company denies it right off the bat! Even with a lawyer, payouts often don't cover even medical bills any more. Yubon is ignorant of the current climate. People who are genuinely injured are getting nothing and declaring medical bankruptcy.
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Post by Yubon Peatlejuice on Apr 16, 2016 0:33:29 GMT
If insurance companies weren't of the most assholian of proportions, lawsuits wouldn't be the norm. I'll bet you $10 that when she goes to file a claim, the insurance company denies it right off the bat! Even with a lawyer, payouts often don't cover even medical bills any more. Yubon is ignorant of the current climate. People who are genuinely injured are getting nothing and declaring medical bankruptcy. Well then I guess people should have insurance. Oh wait, I forgot that GoFundMe has replaced that.
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gsquaredmom
Pearl Clutcher
Posts: 4,080
Jun 26, 2014 17:43:22 GMT
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Post by gsquaredmom on Apr 16, 2016 1:04:29 GMT
Even with a lawyer, payouts often don't cover even medical bills any more. Yubon is ignorant of the current climate. People who are genuinely injured are getting nothing and declaring medical bankruptcy. Well then I guess people should have insurance. Oh wait, I forgot that GoFundMe has replaced that. The problem is that the victim's personal insurance does not always pay. And sometimes they are not even billed if the hospital can get a non discounted rate. Even if the person requests that it goes through personal medical, it can instead go to a special collections agency so they can collect at a higher rate. Then the person may get a small settlement, gives it all up, but does not have enough to cover it. Because they signed a form saying they were responsible for the bills, they are stuck. If they are lucky, some of the bills might be submitted to personal health insurance, but the time limit is often shorter than the time to settle. Their personal auto insurance medical coverage also wants to subrogate the bills and that also comes out of a settlement. And if the person loses the suit, they can get stuck with the auto insurer's legal bills, including paying all doctors who gave depositions, court fees, lawyer fees, etc. Many, many people with medical insurance and car medical coverage are coming out in the red. It is a relatively recent phenomenon because insurance companies try to keep rates down and stay competitive by minimizing payouts. Shareholders are loving the increased profits.
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Deleted
Posts: 0
Jun 2, 2024 13:20:32 GMT
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Post by Deleted on Apr 16, 2016 2:24:50 GMT
I smell a couple of lawsuits coming And I hope they see a lawyer soon. Yubon, I get the feeling you know very little about the current state of lawsuit success. That is why so many auto liability attorneys are branching into other areas. OP I hope you and your daughter are not seriously hurt and that this does not add much to your hardships. Why would a lawyer be a good idea? Try and settle on your own before getting an atty - you'll end up with 44% more of money that should go to you! I was rear ended many years ago - I knew how much my medical bills were and the P&S DS and I went through and I settled for the same amount an atty would have settled for except I didn't have to pay anyone a dime. A couple of years ago I helped a pea settle her claim and she ended up with over $6k more than she thought she would get because I helped her When people run out and get an atty right away it makes no sense - when there is clear liability take your medical bills and out of pocket expenses - then it is time to start negotiating. standard is 3x's the amount of your medical bills - you'll be compensated for gas mileage, lost wages, Tylenol, etc. etc. start off with 5-6x's the bills and work that way. I just helped a coworker with his settlement and he ended up with 6x's the medical bills - that was way higher than I've ever seen someone get Sorry you this happened to you and your daughter - not fun years later I still suffer from the injuries.
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Post by mcscrapper on Apr 16, 2016 3:24:21 GMT
Did you drive yourself in or did you come by ambulance? In most ERs, this doesn't necessarily make a difference in your wait time. ERs have become so busy these days that if you come in by ambulance to a full ER, and you are considered less emergent than others that are waiting, and stable enough to be in the waiting room, then to the waiting room you will go. And 3.5 hours is on the low end of the average wait time for ERs in many areas (including where I live/work.) ER nurse here..... Even if patients come by ambulance, if the pt is not critical, he/she may be sent out to triage and will wait to be seen by order of acuity. Across the country, we are seeing higher (sicker) acuity patients every day and our wait times are longer because more people use (and often abuse) the ER system. We have handfuls of patients that come in every day or at least 4-5 times per week. A longer wait time isn't necessarily a bad thing. Yeah it stinks to have to wait while you are uncomfortable but count your blessings that you and your daughter are not more seriously injured. Tomorrow and Sunday will be the worst I'm afraid. Hope you heal quickly. m
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Post by papercrafteradvocate on Apr 16, 2016 4:26:28 GMT
Even with a lawyer, payouts often don't cover even medical bills any more. Yubon is ignorant of the current climate. People who are genuinely injured are getting nothing and declaring medical bankruptcy. Well then I guess people should have insurance. Oh wait, I forgot that GoFundMe has replaced that. Yes, people SHOUKD have insurance --but that's not always the case. You're assuming that the OP doesn't . The person who was at fault SHOUKD pay. Chances are, their insurance will deny responsibility right off the bat, with no reason or merit, forcing the victim to get a lawyer.
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Post by papercrafteradvocate on Apr 16, 2016 4:32:40 GMT
And I hope they see a lawyer soon. Yubon, I get the feeling you know very little about the current state of lawsuit success. That is why so many auto liability attorneys are branching into other areas. OP I hope you and your daughter are not seriously hurt and that this does not add much to your hardships. Why would a lawyer be a good idea? Try and settle on your own before getting an atty - you'll end up with 44% more of money that should go to you! I was rear ended many years ago - I knew how much my medical bills were and the P&S DS and I went through and I settled for the same amount an atty would have settled for except I didn't have to pay anyone a dime. A couple of years ago I helped a pea settle her claim and she ended up with over $6k more than she thought she would get because I helped her When people run out and get an atty right away it makes no sense - when there is clear liability take your medical bills and out of pocket expenses - then it is time to start negotiating. standard is 3x's the amount of your medical bills - you'll be compensated for gas mileage, lost wages, Tylenol, etc. etc. start off with 5-6x's the bills and work that way. I just helped a coworker with his settlement and he ended up with 6x's the medical bills - that was way higher than I've ever seen someone get Sorry you this happened to you and your daughter - not fun years later I still suffer from the injuries. You are more likely to be in the minority. I've been in 3 accidents ---none my fault and each of the insurance companies representing the person who caused the accident, denied our claim each time. I was in disbelief when fault was so crystal clear. I wasn't trying to get anything other than medical bills paid and they claimed they were not liable!! So where does one go from there? When they just up and say nope, we are not liable! In all 3 cases, I was hauled away in an ambulance, a rescue squad, and the fire dept. it was clear I was hurt all 3 times.
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gsquaredmom
Pearl Clutcher
Posts: 4,080
Jun 26, 2014 17:43:22 GMT
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Post by gsquaredmom on Apr 16, 2016 5:25:39 GMT
Why would a lawyer be a good idea? Try and settle on your own before getting an atty - you'll end up with 44% more of money that should go to you! I was rear ended many years ago - I knew how much my medical bills were and the P&S DS and I went through and I settled for the same amount an atty would have settled for except I didn't have to pay anyone a dime. A couple of years ago I helped a pea settle her claim and she ended up with over $6k more than she thought she would get because I helped her When people run out and get an atty right away it makes no sense - when there is clear liability take your medical bills and out of pocket expenses - then it is time to start negotiating. standard is 3x's the amount of your medical bills - you'll be compensated for gas mileage, lost wages, Tylenol, etc. etc. start off with 5-6x's the bills and work that way. I just helped a coworker with his settlement and he ended up with 6x's the medical bills - that was way higher than I've ever seen someone get Sorry you this happened to you and your daughter - not fun years later I still suffer from the injuries. You are more likely to be in the minority. I've been in 3 accidents ---none my fault and each of the insurance companies representing the person who caused the accident, denied our claim each time. I was in disbelief when fault was so crystal clear. I wasn't trying to get anything other than medical bills paid and they claimed they were not liable!! So where does one go from there? When they just up and say nope, we are not liable! In all 3 cases, I was hauled away in an ambulance, a rescue squad, and the fire dept. it was clear I was hurt all 3 times. Even when they accept liability, they lowball. Typical thing now: we accept liability. Go get the treatment you need. Patient calls with 15k in bills. Type type type. I am authorized to give you 2550. Yes. That's all. I understand you have to sue now. But that's all I can offer. Victim sees lawyer. Makes call. Gets same answer. Files suit. Fights uphill battle. Many cases going to court where it takes only a bit of doubt by one jury member to lose. And insurance companies will have their legal fees paid. Big judgments are rare. Siding with the victim is rare. Victim ends up with nothing and it was not their fault.
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Post by lindywholoveskids on Apr 16, 2016 9:21:15 GMT
does anyone know how the OP is?
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