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Old 10-07-2018, 07:41 AM
 
1 posts, read 457 times
Reputation: 10

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I was in a car accident near Jonesboro AR. i'm from louisiana and driving the lady's 4x4 truck to her house when i as about to turn on the road she lives on and when i turn the blinker on i looked in the i seen a truck about 30 to 40 feet from us closing fast and when he hit us we went airborne 130 feet passed her road over a large ditch clipped a telephone pole the truck flipped upside down in the air went another 30 feet landed on it roof and slid 25 more feet on the roof the kid was going 85 to 90 mph when he hit us and didn't hit his brakes i only got 6 broke ribs and some little cuts the women she didn't come out that good she has 3 broken vertebrae a torn inside back ligament and a concussion so she get the helicopter ride to memphis trauma center but to get to the point the kid had $25000 insurance and she has $30000 the helicopter ride $16000 the trauma center $33000 the towing comp. didn't bring her truck to her house like told by her children to do and that's $5000 now. and now her health insurance won't pay anything that has to do with that accident she went to a neurosurgeon and she did see her but she also told her she would not see her again and that no others would ether because they don't get paid and i know what your saying get a lawyer she did and it still only #55000 in coverage after it happened i thought the kid was texting while driving but i found out he just got that truck and he was seeing how fast it would go and looking at the speedometer and not the road. what can you she do only her family doctor will see her the insurance is useless ?
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Old 10-07-2018, 08:23 PM
 
Location: The Natural State
1,132 posts, read 1,164,977 times
Reputation: 1020
I'm not trying to be negative, but for the many, many years I have had vehicle and accident insurance, I was always given the option of how much coverage I wanted. It appears, from your Post, that your friends insurance paid what she signed up for and paid premiums for, unfortunately, her expenses were much more than the coverage she signed up for. That is not the fault of the insurance company.
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Old 10-07-2018, 10:07 PM
 
Location: Western Colorado
10,474 posts, read 11,584,395 times
Reputation: 24088
I don't understand what this has to do with Arkansas. Shouldn't it be in the insurance or automotive forums?
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Old 10-08-2018, 12:12 PM
 
Location: Bella Vista, Ark
69,136 posts, read 79,243,293 times
Reputation: 38508
Quote:
Originally Posted by jim9251 View Post
I don't understand what this has to do with Arkansas. Shouldn't it be in the insurance or automotive forums?
I agee Jim not to mention it was very hard to follow the story. I do think, if the story is right as worded the OP needs to contact the insurance company of the other driver. Something is just not making any sense. I wonder how old the gal is? If she is 65 or over medicare kicks in.
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Old 10-08-2018, 01:33 PM
 
Location: Ozark Mountains Arkansas
1,787 posts, read 1,093,303 times
Reputation: 3537
I've never heard of health insurance not covering it if it was from an auto accident. Is this true?
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Old 10-08-2018, 03:07 PM
 
Location: Cape Cod/Green Valley AZ
771 posts, read 1,938,080 times
Reputation: 1769
This post is the reason you need Under-insured/Uninsured MV insurance. I carry 1/2 Million. It's not expensive.

Rich
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Old 10-09-2018, 08:12 AM
 
213 posts, read 83,294 times
Reputation: 365
It's useless until you need it.
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Old 10-09-2018, 08:19 AM
 
Location: Bella Vista, Ark
69,136 posts, read 79,243,293 times
Reputation: 38508
Quote:
Originally Posted by Mike Town View Post
It's useless until you need it.
As a very wise lady told me, about 60 years ago: insurance is the one thing in life you hope you waste your money on.
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Old 10-10-2018, 05:33 AM
 
Location: Mid-Atlantic
22,600 posts, read 21,651,849 times
Reputation: 27578
Quote:
Originally Posted by nmnita View Post
I agee Jim not to mention it was very hard to follow the story. I do think, if the story is right as worded the OP needs to contact the insurance company of the other driver. Something is just not making any sense. I wonder how old the gal is? If she is 65 or over medicare kicks in.
No, don't call the other persons insurance company. Her insurance company is responsible for doing that.

The health insurance may be initially denying the claims until they're sure that the auto insurance payout has been exhausted. That varies by state, though. One insurance pays first, and then the other one kicks in. I don't know the rules for Arkansas.

We can't help this woman with the information provided.
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Old 10-10-2018, 07:10 AM
 
Location: San Diego / NWA
949 posts, read 548,480 times
Reputation: 1145
Quote:
Originally Posted by nmnita View Post
As a very wise lady told me, about 60 years ago: insurance is the one thing in life you hope you waste your money on.
I have to agree.

Nita, tried to rep you but couldn't
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