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Industrial Injuries medical-what should I expect?

What kind of claim can I expect from a rollover accident caused by a reckless driver in april 06, W/ Injuries?

  • I was involved in a Severe rollover accident casused by a reckless driver in April 06. Resulting in a total car loss, Injuries to my spine (Herniated C5-C6) Torn ligament in my left arm and Left Knee. 7 months of therapy.$30,000 Medical Bills to date. No real recovery yet. If he only has 300/100 coverage, can I only expect 100,000 at the end of the proverbial rainbow? Or am I not understanding the injury claim incorrectly. -$30,000 Legal -$30,000 MED And the rest to me? Is this how this whole thing works or not Can I go after this moron in a civil trial and get more. I dont mean to sound greedy but this guy potentialy ruined my career (GOLF PROFESSIONAL) . If I cant play I cant eat, pay rent etc............. Thanks everyone

  • Answer:

    First off- dont automatically assume you will be getting the full 100,000 that his policy offers. I understand your injuries are moderately serious but- your still alive. it takes a whole heck of alot to get the entire worth of the policy. Second- sounds like you have an attorney handling this for you- why dont you ask him what he thinks your injury is worth? Depending on your state and what your own policy has covered will greatly vary the amount the claim is worth. Not to sound insensitive but i hate hearing people say "you wont get what you deserve" blah blah blah. You dont win the lottery if your injured. Life unfortunately happens- stuff like this happens- you luckily were not paralyzed, killed, etc. I dont work in the injury department so dont quote me.. but this sounds more like you'll be getting 10-20 thousand after meds are taking out.. meaning after the attorney youll have around 6000-14000. It drives me nuts when people feel that should "punish" the at fault party by trying to get money from them beyond what they need. And as far as people saying "the insurance company has their interest at heart"- absolutely not. INsurance companies are COMPLETELY willing to give what they owe for an accident- just not more then they owe. Do you see all the people just on this message board trying to get big money for "whiplash" etc. Its insurance companies job to make sure people dont take advantage of an unfortunate event- we see it every day.

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No... HALF of the rest to your lawyer, when the insurance company ties you up in court forever... Sorry about your luck.

Audio God™

You need to expect to not get even close to the amount you deserve. Sadly insurance companies have their best intrests at heart not yours. I am dealing with a similar issue myself and am about to get screwed by the insurance which happens to be Geico and have to sue the guy personally in court.

freakyallweeky

It depends on your state. If your medical bills and lost wages aren't covered by No Fault or other insurance, then they are recoverable. The most coverage available is $100,000. Your attorney will check to make sure there is no additional or excess insurance. If there is, he will let you know and pursue that as well. If not, you are limited to the $100,000. You could always tell your attorney to sue, but courts are very reluctant to force someone to turn over their personal assets. Usually, a retainer is 1/3 of the settlement plus expenses, which vary from case to case. If you go to civil court, obviously your attorney expenses go up. Additonally, this is assuming your case value is viewed as being $100,000 and you are determined to not have fault in the accident. Your attorney is in a better position to advise you as to a case range.

jerry

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