Not at fault auto accident?
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Yes, that is true, you're insurance company should be dealing with them...they already have attorneys for that. Because if the other company doesnt pay, you're company would have to pick up the bills. Good luck and feel better.
You will probably need a lawyer some time or another in the process. It may be provided by your insurance, or you may have to hire one. If you do, when you win the suit the lawyer will be paid out of the winnings.
A few years ago, I was in an accident and recieved a little less than the medical expenses ($20,000). I handled everything myself.
Early last year, I was in another accident and this time I have an attorney because the guy that hit me didn't have insurance, was drunk and fled the scene. We're still waiting to settle on the medical.
Good luck!
when i had my wreck with a guy who worked for the state, i got about 2800 for my car(cuz he totalled it)i got a citation for no insurance, i got i think bout 2500 for medical and about 2500 for pain and suffering.
Yes, your insurance company will deal with this for you. You just need to tell them what is going on. This will not effect your rates or hurt you. Don't hire an attorney until you are convinced that they aren't going to take care of you the way you want them to. Attorneys will take a large part of the settlement and it will normally take a lot longer to get your money.
There is no set settlement percentage made to anyone injuried in an accident. There are provisions to pay for pain and suffering but don't get the idea you are about to hit the lottery. Unless you have suffered some major injuries and will require serious treatments and additional rehab, surgery, etc. your settlement will be minimal. Your best bet is to attempt to work WITH the claims team vs a combative position. You will get much farther keeping a reasonable demand figure and a cool head. Always use a lawyer as a last, LAST resort. Despite what they say on late night local television they cannot get you ten times the settlement offer, they cannot bring the insurance company to their knees (believe me, they are NOT afraid of any two-bit lawyer) and they will ALWAYS get their portion of money. You are nothing more than an insect to a lawyer and that is exactly how you will be treated. So stay calm, hope for the best and give it your best shot. You can always lawyer-up if all else fails.
What medical portion? Did you sprain your wrist, or break an arm, or what? Have you missed work due to injury? And what kind of claim is "inconvenience"? Is your car written off, or is your bumper bent? Are you trying to get rich off this, or just reimbursed for actual loss? You have given no information that can be used to give you credible advice.
I have policyholders ask me this all the time. Your insurance isn't going to offer you any type of advice on how to settle a bodily injury claim with the other carrier. Your insurance will only help pursue the funds they have had to pay out, no more. A BI settlement is relatively subjective, and giving you advice could be misconstrued as legal advice, which insurance co's do not give. You have to understand that they are only going to get involved if they have money at stake. It's not like they don't want to help you, but they have bigger fish to fry like taking care of folks using their coverages for accidents and going after the money they are due.
That having been said, it sounds like your injuries were relatively minor since you haven't mentioned anything about lost wages or broken bones. If that's the case, your injuries are called "soft tissue," and again, they are subjective. A soft tissue injury usually doesn't warrant more than 12 weeks of treatment, plus of course the bills on the day of the accident if you wound up going to the ER. While there is not standardized formula to pay out, I see injuries under 1k being offered with a couple hundred bucks more. Injuries over 1k, perhaps double. I have never seen a soft tissue injury settlement for a minor injury be more than double the amount of the total $$ for the medical bills.
You are due what is fair, no more. If you honestly don't feel you are being compensated fairly, you have to come up with reasons why (I missed work xxx days, at $$$/hour). Be prepared to present paperwork that supports your claim. Above all, please don't hire an attorney. All he's good for is taking 1/3 plus fees of anything you were going to get in the first place.
Best of luck, and I'm glad, generally speaking, that you're ok!
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