Insurance Settlements Options

[BlackCelicaGT94]

Ok so i was involved a minor accident in August. I was at a complete stop and got hit at about 20 mph from behind. I ended up with some whiplash. The insurance of the car that hit me now wants to settle and i talked to them and they said they will give me 270 for my gym dues for the month that i missed due to the accident and 250 for just getting hurt. I said umm ill have to think about that cuz that doesnt seem fair to me. I didnt hit them up for a rental for the week my car was in the shop and it inconvenienced my life for a bit. They also said that usually there shouldnt be injuries with an accident like this but since i was hit a few years previously that an old injury must of flaired up and im thinking yeah that may be so but if i wasnt hit at all then i wouldnt have been in pain at all.

So how do i go about writing back and telling this guy that i will only settle for 1,000 dollars. Im not being greedy. Im just pissed that I was hurt and im being treated like im lying. I was referred to physical training and massage therapy at the time but was unable to do PT cuz i had no money and could only do one massage therapy cuz thats 70 bucks a pop. They also dont probably even want me to figure out how much of a loss it was for my dad to take me to work each day and pick me up for a week and the business he lost for a week.

This post has been edited by BlackCelicaGT94: Jan 31, 2006 - 4:29 PM

[Galcobar]

Detail exactly how you were inconvenienced, but don't use that word. What financial hardships did this cause? How did this impair your ability to earn a living, and to by what dollar figure? What medical treatment did you undergo, and what will you undergo in future?

You'd have a difficult time getting the other driver's insurance company to cover your father's losses while he was helping you, though you could throw that in as a concession -- a way of saying "I could ask for more, but I'm not being greedy."

The idea is to quantify exactly what this accident cost you in dollar figures. Pain and suffering is a subjective addition to that, and negotiable. Before you settle, run the numbers. You might be surprised to discover the real cost.