Update on my car wreck

[Ridge]

June 20th I was rear ended while heading home from The Firing Line. On June 22nd, insurance totalled out my car. About 3-4 weeks later, I got a letter from them saying the insurance info I got from the other driver (which he did not want to give up. Fortunately Aurora PD showed up and mediated) was fraudulent.

And that was it. Until today. Where I got two letters from an insurance company saying they are going to do an adjustment on the claim. I got two separate letters from them, stamped the same day. A whole lot of nothing in both of them. But one of the letters says I have the ability to submit a claim.

What should I do? Starting about a month after the wreck, I started experiencing random pains in my hands and feet, which I never got around to having checked out. I don't know if I can still submit through my insurance company to have it checked out.

[BPTactical]

Consult a COMPETENT personal injury attorney.
Make no statements nor sign anything until you do. Do not even endorse a claim check.
If you don't mind Boulder I have a good attorney I can refer you to.

[xring]

Consult a COMPETENT personal injury attorney.
Make no statements nor sign anything until you do. Do not even endorse a claim check.
If you don't mind Boulder I have a good attorney I can refer you to.

This ++++. The advesarial relationship between you and the policy writer should be clear to you at this point. Let the lawyer do his job.
I would start looking for a Certified massage therapist that specalizes in car wrecks that has about a thousand references but thats my preference for treatment. Your lawyers recomendation for treatment should be followed.

[Teufelhund]

Consult a COMPETENT personal injury attorney.
Make no statements nor sign anything until you do. Do not even endorse a claim check.
If you don't mind Boulder I have a good attorney I can refer you to.

Most definitely this. You have to get someone who knows how to navigate the system which is designed to take advantage of those who cannot. Buddy of mine went through a very similar situation a couple years ago. He hired an attorney and ended up with his doctor bills paid and enough money to replace his car.

[jerrymrc]

^^^^ All that was said. If I was you I would push for retraining that way you could get a degree in Horsemanship.

[Irving]

Consult a COMPETENT personal injury attorney.
Make no statements nor sign anything until you do. Do not even endorse a claim check.
If you don't mind Boulder I have a good attorney I can refer you to.

You don't need an attorney to not sign a check.

This ++++. The advesarial relationship between you and the policy writer should be clear to you at this point. Let the lawyer do his job.
I would start looking for a Certified massage therapist that specalizes in car wrecks that has about a thousand references but thats my preference for treatment. Your lawyers recomendation for treatment should be followed.

Plain out fucking fraud.

Most definitely this. You have to get someone who knows how to navigate the system which is designed to take advantage of those who cannot.

Not true.

^^^^ All that was said. If I was you I would push for retraining that way you could get a degree in Horsemanship.

Casual reference to fraud, but you clearly are not serious.



Ridge, in Colorado, the statute of limitations for property damage is 2 years. The limitation for bodily injury is 3 years. There is no statutory limitation for first person injury. The first 2 apply to the other driver's insurance, and the last one applies to your insurance. So you can make a claim for your injuries through YOUR insurance whenever you want and you don't have to worry about running out of time.

Your car has already been totalled out and paid for by your own insurance company, so that part of your claim is done as far as you are concerned. If you are actually injured, go seek treatment! Either you are injured, or you are not, make up your mind. Right now, the insurance company is going to seriously question any injury you present to them if you haven't even treated for it.

You should contact your own insurance company and give them the name of this insurance company that has contacted you, so that they can recover the money they paid to fix your car. Ask your company if they will reimburse your deductible, or if you should pursue the other company for it.

Contact the other guy's insurance company and see what they have to say. They are contacting you because they are legally liable for any damages/injuries caused by their driver. If you are really injured, go seek treatment and at least get an idea what you are dealing with.

If you are concerned that you will have a lasting injury, and/or are afraid that you will settle for less than you should, then you can hire an attorney. Bert is correct about signing a claim check. Since your physical damages have already been paid, any check they send you will have to do with injury and will include a release built into the check, so once you cash it, you are releasing them from further financial responsibility.

If you get an attorney involved, the insurance company will end up paying more money, but it won't be going to you. It will go to the attorney, and whatever hack doctor the attorney sends you to, in order to fluff up your medical bills.

The scum that "specialize in car accidents" exist specifically to fraud money out of insurance companies. They put you on a treatment plan that is much longer than you need, in order to bill it all to the insurance company. They don't give a shit about you or your "injury" as long as they can get you to keep coming in for treatment. Chiropractors and massage therapists have their place, but ones that deal with car accidents are scam artists. The reason they stay in business is because it is easy to find people who don't mind getting a year of chiro or massages every week for free.

The most important thing to take away from this is that if you are injured, go get treatment, that is the most important thing.

[Irving]

This ++++. The advesarial relationship between you and the policy writer should be clear to you at this point. Let the lawyer do his job.
I would start looking for a Certified massage therapist that specalizes in car wrecks that has about a thousand references but thats my preference for treatment. Your lawyers recomendation for treatment should be followed.

Now let's talk about this. What advisarial relationship are you talking about? The driver of the vehicle lied about who his insurance company is, not the company. What exactly is the job of the lawyer? It is to get enough money out of the insurance company to get himself paid. I've already touched on what scam artists massage therapists are that specialize in car accidents. Is there a certain way to massage a sore back that was in a car accident, as opposed to falling off of a ladder? Finally, there are two kinds of people who would take treatment advice from a lawyer, people with brain injuries, and people with the intent to commit fraud.

[xring]

The scum that "specialize in car accidents" exist specifically to fraud money out of insurance companies. They put you on a treatment plan that is much longer than you need, in order to bill it all to the insurance company. They don't give a shit about you or your "injury" as long as they can get you to keep coming in for treatment. Chiropractors and massage therapists have their place, but ones that deal with car accidents are scam artists. The reason they stay in business is because it is easy to find people who don't mind getting a year of chiro or massages every week for free.

.

As i said it would be my preference to see a CMT. As i said one with about a thousand references. I happen to know a certified massage therapist who has helped a lot of auto accident victims.
Often her clients have had conventional medical treatment and still suffer pain. I can assure you she is not "scum" but somone who has a genuine gift for healing who has chosen this as her lifes profession. She has a BA in a related field and could have made much more $ in that. My understanding, as the law changed eight years or so ago CMTs can not directly bill insurance companys so im not sure how the CMT's can scam the insurance companys. The CMTs have to wait until settlement to get paid from the client not the insurance company the exception being doctor ordered treatment. The CMT I know is of the highest moral character. If the client she is treating shows no signs of improvment within a year she will not see that client anymore. The characterization you have written above is competely untrue in all aspects in reference to the CMT I know.

[sniper7]

I don't have much for you other than to tell you that if you really are having problems physically to get them checked out and make sure it isn't something serious or see if it can be fixed easily.

As far as the insurance goes, as long as you got paid back for your car, be glad you got that. maybe try to get your deductible paid back and have the guys insurance pay your insurance company back since it wasn't your fault.

and if your medical problems really are a result from the accident then tell the insurance company they need to cover it, if they refuse then get yourself an attorney and make them pay for it.

[xring]

Quote:

"Now let's talk about this. What advisarial relationship are you talking about? The driver of the vehicle lied about who his insurance company is, not the company. What exactly is the job of the lawyer? It is to get enough money out of the insurance company to get himself paid. I've already touched on what scam artists massage therapists are that specialize in car accidents. Is there a certain way to massage a sore back that was in a car accident, as opposed to falling off of a ladder? Finally, there are two kinds of people who would take treatment advice from a lawyer, people with brain injuries, and people with the intent to commit fraud."

Its advesarial because the insurance companies vested interest is to extract themselves from the legal obligation at the lowest cost. The injured party needs treatment. The policy writer is instituting policies designed to have the maximum amount of people give up their legal rights as defined by the policuy at the lowest cost to the policy writer. The job of the lawyer is to make sure that the injured party recieves the full benefit of the policy they have paid for. The policy holder is no more qualified to deal with the insurance company than he would be to deal with the legal system himself in any other matter.