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

[BlackCelicaGT94]

I think you need to explain in more detail a few things before anybody can give you any advice.

From what you wrote already I take it the police report said the other driver was 100% at fault?
There was no police report made. I was hit from behind on my bumper so obviously it was her fault and her insurance company acknowledges that

You had some whiplash? You either have it or you don't, do not let the other insurance company here you say you had SOME , it makes it sound like it was nothing to worry about. Clearly say I have whiplash! Whiplash can come back to haunt you years down the road so don't take it lightly.
Yes i had whiplash

Have you had whiplash before from a previous accident?
yes an accident 2 years previous. but my doc told me i needed to strengthen my back so my parents made me get a personal trainer and i had one on and off (mainly on) for 2 years so im sure my back was a lot stronger this time around
Are you still having any problems with your injuries?

Did you get any medicine for the injuries and are you still using them?
i was given anti-inflamatories. couldnt take one cuz of bad experiences previously. no longer taking

Did you miss any work because of the accident?
my work is very important to me and i was with a company that was not very understanding of time off so i made all my appointments for non work hours

Do you have any medical bills that they have'nt paid?
my work insurance has seemed to cover it. havent heard anything from them. i just had 2-3 copays. the insurance rep for the girl who hit me said that if down the line they came back he would pay them even if its after we settle

Have they paid for any of the damages to your car ? What are your total damages?
damages were paid for. i think it was like 1,000 bucks maybe...probably less.

What kind of coverages do you have on your car from your own insurance company? I know insurance changes from state to state, but see if you have some kind of coverage that pays your medical bills up to a certain amount until the claim is settled. Kentucky has (PIP) personal injury protection which does this.
dad doesnt wanna go thru PIP..too much hassle

Did you call this other insurance company after a police report was written up and ask for a claim number to use so your medical bills would be sent to them instead of you?