Hi, I was involved in an accident about 2 ½ months ago. I was on my bike and was hit by an uninsured driver. I was pretty banged-up and made a trip to the ER. My trek triathlon bike was destroyed. Since the driver was not insured my uninsured driver clause in my auto insurance policy kicked in. I racked-up about $6000.00 in medical bills that my auto insurance has paid. I was not compensated for the loss of my bike because it does not cover property damage….so I need to call my insurance company because they want to settle my case. Has anyone gone through this procedure and have any advice? Everybody is telling me to hold out for a big settlement. I have very little permanent damage…my knee was lacerated and I had a severe bone bruise that will most likely become arthritic as I age. I broke a finger in my hand that is healing but will most likely become arthritic as I age.” I hold a scalpel blade in my other hand about 4 hours everyday and grasp things with my injured hand” I am a physicians assistant.
What can I realistically expect….what if I get a low-ball offer do I tell them no….what if they ask me what I am expecting for a settlement….any help or advise would be greatly appreciated……thanks.