mustacheman

On Wednesday, I was hit by a car while riding home from work. Thankfully, the driver stopped and I was able to get their insurance info. No broken bones, but my chiropractor tells me something is up with my neck and back. Do you guys have any advice as far as settling with insurance? I will be keeping track of missed time at work, medical expenses, the cost to replace my bike and clothes...is there anything I am missing? I've already spoken to their insurance company, and they have already admitted she was in the wrong and they will be paying, any specific tips for making sure I get myself totally covered by their insurance?

seafoamer

Did you get a p0lice accident report?

mustacheman

I got a police report, DMV report, we reported it to the insurance company less than an hour after it happened...

porq

Get a lawyer and don't sign anything with the insurance company; keep all reciepts; write down everything you lost in the accident; write down all of your costs, including ambulance ride; make sure you see a doctor/physio; if you got badly, or even semi-badly hurt, don't take their offer for at least a few months to ensure that you aren't hurt

Lazerus_Shade

What he said i would also add look into prepaid legal they are 5 to 15$ a month, and you get free consaltations for stuff like this.

MyPC8MyBrain

How did it happen ?

fordfasterr

glad you made it alive, and about the chiropractor ... they will always tell you there is "something" wrong .. lol

I hope the insurance pays up !

Winter76

A childhood friend is a chiropractor and yeah like Fordfasterr said, they will always say somethign is wrong. Go see a real doctor.

DC60618

Get ready for a long process. I was hit last year and the insurance company initially told me they were going to settle and give me money. I thought that was it. Then they sent paperwork and it ended up taking about 6 months to settle. The insurance company was aweful to deal with. The changed adjusters all of the time and they really didn't seem like they wanted to pay. I eventually got a couple grand out of them but it was a frustraing process. Good luck.

mustacheman

What is prepaid legal and where can I access it?

alanfleisig

Just out of curiousity: Does you chiropractor ever NOT tell you that "something is up" with your neck and back?

(Not a big fan of chiropractors, can you tell?)

SSP

Take pictures of your injuries ASAP, and more pictures as they heal up. Also, take pictures of your bike from different angles to show the damage to it.

If the police report is not yet complete, type up your version of the accident and submit it for inclusion with the official report.

Be honest with the insurance adjusters, don't try to game the system, but hold out for what you're due - all med bills, new bike, replacement clothing/gear, lost time at work, plus "pain and suffering / contingencies".


Note: You may be surprised to find yourself getting a rather largish check for "Pain and suffering".

rturpen

Go see a real doctor and the a sports therapist. Neither of them are into woo woo and will help fix what is actually broken.

mustacheman

Thank you guys, I appreciate the advice!

FlyingAnchor

I like the sceptiscizm (sp) regarding the bone doctors. I have seen them at fairs, malls, and conventions but I never see a real doctor at the same time.

Sorry for the hi jack and I really hope you get well soon. Good luck.
Steven

kchan99

If you have health insurance, compensation for medical bills may go to your health insurance company.

gnome

Glad to hear that you are not seriously hurt and I hope you get well soon. A chiropractor would have fits at the state of my back and neck without me being involved in any accident, so I haven't bothered them. I would recomend a "proper" doctor and physio instead of a chiropractor.

Neil_B

I'm not one either. I had one tell me he could "correct" my scoliosis through treatment. That's a procedure unknown to medical science.