Question:
I was in an automobile accident in November 2006 which I was not at fault.I was hit head on by a driver running a stop sign.The next day I went to the Emergency room for shoulder pain.It was believed that I had whiplash and the pain would go away.The pain did not go away and about 2 weeks later I went back to the ER for a followup and I had Xrays done.After the Xrays an MRI was scheduled and the radiologist found that I had swollen bone marrow in my shoulder from the accident and osteoarthritis had quickly set in.Besides pain and pressure of my shoulder feeling like it was going to fall off, everytime I moved it grinded and was popping.I was sent to a bone/joint specialist and they recommended to excercise it by lifting weights to ease the pain. I went back 6 weeks later (today) for a followup and the pain has stopped but the popping/grinding has not.I will have the arthritis for the rest of my life.The insurance company wants to settle and I dont know a monetary $ value to tell them.
Answers:
suggest an insurance policy for a lady aged 56 and a girl ages 19?
I'm a claims adjuster and I'll be honest with you.DON'T get a lawyer.
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First of all, osteoarthritis is not something that was caused by an accident. It may have been aggravated by the collision, but osteoarthritis is by nature a degenerative condition. This means it would be caused by normal wear and tear on the body and generally accompanies aging.
Secondly, you should at the VERY least see what the insurance company has to offer you before retaining an attorney. Often, people end up with the same (if not less) than they would have gotten directly from the insurance company. A reputable insurance company is going to evaluate your claim based on its merits, and pay a fair amount based on your injury and your venue. Having an attorney WILL NOT change the nature of your injury, or the venue you're in. All it will do is pay for another ad on daytime television to try to lure unsuspecting people into giving up one third of their insurance money.
The people who say "get an attorney and fight it out in court" don't know the game, and don't know that more than 99% of attorney represented claims don't go to court... because your attorney will lose, and you may end up with nothing. But this is all a tangent that you didn't even ask about, and more a response to the irritating people who think that getting an attorney will somehow get them more money.
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Anyway, although you've provided more information than most people do when asking your sort of question, you'd need to tell us the county and state you reside in for any of us to have any idea how much your claim is worth.
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EDIT: I'm sorry if I sounded harsh, it wasn't even really directed at you. But something like osteoarthritis is not something I'd expect to be causally related to an accident.
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And again, without knowing where you are, it's hard to say. Jurisdiction has a lot to do with how much your claim is worth... the insurance company should offer you something, you shouldn't have to come up with a figure on your own. You can probably negotiate up somewhat from their initial offer.
don't settle. take a good lawyer for a % of what you will take, so the lawyer will be interested to ask the maximum possible.try to find a good one at this conditions. i am sure you will find one.if the company wants to settle, is only because she knows that she must pay a lot, and she is treeing to spare on your account, so, be clever.
I need to get a copy of my purchase from 2 yrs age??
get a lawyer and let them fight it out with the insurance co., this is something you are going to have to live with the rest of your life. You can only get what the other person is insured for unless you want to take them to court and sue for more, a lawyer can find out what they are insured for where you can't.where can i get a free mvr report from?
Three times the medical .More Questions & Answers ...
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