Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
NOW TO EVERYONE, READ ON if you will/if you like:
You're not gonna believe this, but I JUST GOT HIT AGAIN!!! Some moron rammed right into my rear early this afternoon, can you believe it??? He rammed me so hard my glove compartment flew open and things on the seat flew up and onto the floor (I was at a stop at an intersection and waiting for a MUNI rail-thing to move along when BLAMMO!)
Silver (my Volvo) didn't seem to have sustained any further damage from new-crash-guy, but, after we exchanged info and he drove off, I had to sit for awhile to collect myself. Then I noticed weird sensations going on like behind my lungs and up around my shoulder blades and just went 'oh no' in my head, what if this is some real 'whiplash' thing coming on? I'm not joking, not faking and not a 'scammer'' or ambulance chaser...what I am is actually kinda scared now, because I seem to be getting stiffer and stiffer as the day goes on...and I think I'm feeling the impact in my teeth now (if that makes any sense which, to me,seems to not)!
This is so unreal. Not even done with accident #1 and now here comes #2. And not only do I not dig on the whole whiplash thing, but I don't use medical doctors (they're reputedly the #1 cause of death and disease), and I don't relish the thought of needing to 'visit' one to satisfy a corporation's (ins. co.,'s) wishes. I have friends who are non-conventional 'healers' and I'm actually one myself. ON TOP OF THAT I'M A PERFORMER, so I CAN'T be physically 'broken' I need to move LITHELY--and I really don't have time to be down for the count!!! We (my 'mate and I, we're musicians) have a showcase/interview FOR TV filming coming up in a week and I'm doing my best here to not be freaking out! So hopefully I'll wake up feeling spry and not 'stuck'.
Ay yi yi yi yi. This is, cosmically speaking, supposed to be some fab-tabulous time and year for me...but it seems the peacock is not showing his tail, so to speak!!!
This is my never-a-dull-moment life--it could be a sit-com or something. Anyways, I need to get back to some other areas of life right now. Thank you all again so much for your time and energy! Have a fun day...and drive nice!!!
Love is contagious~spread it around,
'kindaperplexed'
P.S. I also just noticed that there are 'rules' and things about posting. Hope I didn't violate anything. And what is this 'positive rep' you sent Gaffer? Is it a good thing like a star or something? Am I being 'rated' for being here? Cuz I'm new? Or does everyone rate everyone? Am I supposed to 'rate'other people? Like you guys? Never mind, maybe I'd better go read 'the 'rules' for this like pronto, since I just dove right in thinking I'd figure it out as I go along...yikes, what a day!
OK, let's start with the car. If there was already prior damage to the rear end, your damage claim has little merit. However, if the damage is new, the other driver's carrier will have to look at it like a completely separate incident. The down side is that your car already had enough damage to be a running total loss. I think you'll do well to see more than a few hundred out of the second accident, but you may do better.
Now, and more importantly, about you. Here's a few thoughts:
1) Let the other carrier know you have been injured.
2) Take some good photos of the back of your vehicle. Take one at a 45 degree angle from the ends of the rear bumper and one right down the bumper from one end to another, and one looking straight at the bumper from behind. Take them for the same height as the bumper, not from a standing position as it will show abnormalities better from the hit.
3) Go to an MD (an MD, not a DC) and get a check-up for any and all symptoms you are having. Follow their advice! If they recommend drug therapy and not physical therapy, ask for it and a recommendation to a physical therapist.
4) If the MD recommends physical therapy, and if you have your heart set on a DC, then do so under the MD's care- and let the DC know it. I know this will rankle people, but a DC is not a diognostic expert. Since I have represneted DC's in malpractice cases, I can tell you they are essentially pysical therapists with special training to extract money out of you and insurance carriers. My personal recommendation is a Physical Therapist as you'll get less static when it comes time to settle the claim and people have this nasty habit of healing better with P/T's.
5) If the advice of the MD isn't working out, get a referral to an orthopedic specialist as you could have a disc issue- do not delay. By the way, a DC is the easiest way to make an unknown disc injury worse, so again please be cautious about using a DC except under the care of an MD. I never recommend using a DC until it is clear if there is a disc injury or not.
6) Once the injury has been diagnosed, treated and you are feeling 100%, then approach the other carrier about settlement.
7) As to the settlement, there are no formulas! The things that matter most are the amount of physical damage, the MD diagnosis, how reasonalbe any treatment was and how long until you were feeling better (trying to stretch out an injury is never a good idea- always play it straight and all the other factors will fit better and actually maximize your settlement). Generally, the carrier will come up 30-50% from their first offer. Be polite and respectful and you should get the same in return.
Hey Blazer, thanks for your quick response! Quick questions: should I notify the other driver-guy first? Or just his insurance company? Or both? What about my insurance company? The thought of contacting and going to a medical practitioner is not pleasant for me. Do you think it's cool to wait another day and see if things seem to be subsiding? or not? I'm being short becuz I have a couple of things I absolutely have to tend to a.s.a.p. and then I can start dealing with these....THANK YOU PROFUSELY!!!
No, if you are in any pain at all it has to be recorded quickly. You are trying to impress the insurance that your well being comes first! The insurance company could even find issues that you made it worse by waiting and skip out of any payment at all.
Hey Blazer, thanks for your quick response! Quick questions: should I notify the other driver-guy first? Or just his insurance company? Or both? What about my insurance company? The thought of contacting and going to a medical practitioner is not pleasant for me. Do you think it's cool to wait another day and see if things seem to be subsiding? or not? I'm being short becuz I have a couple of things I absolutely have to tend to a.s.a.p. and then I can start dealing with these....THANK YOU PROFUSELY!!!
Do not have any more contact with the other driver. Let his insurance carrier know. Do not be pressured into signing a release. If they want a recorded statement, that's OK. As for wating a few days, no problem. I wouldn't let it go for more then 2 weeks. And, if within those two weeks you get to feeling better, wait at least another 2 weeks before any settlement.
"p.s. I also just noticed that there are 'rules' and things about posting. Hope i didn't violate anything. And what is this 'positive rep' you sent gaffer? Is it a good thing like a star or something? Am i being 'rated' for being here? Cuz i'm new? Or does everyone rate everyone? Am i supposed to 'rate'other people? Like you guys? Never mind, maybe i'd better go read 'the 'rules' for this like pronto, since i just dove right in thinking i'd figure it out as i go along...yikes, what a day!" (kindaperplexed)
my day didn't turn black when you left me out, but i just couldn't resist jerking your chain so to speak.
No, you haven't violated any rules.
Off to the right of each post is a short list: "join date"
"number of posts"
"location" (in some cases"
and "reputation"
you hava a reputation of 15. That represents the number of times someone has clicked on the "rate this post positively" at the bottom left of each post. If you right click on it you can add a comment and your name.
Quote:
you'll figure things out as you go along - welcome aboard
hope your uppper back and neck don't start bothering you in the next few days
The Downside
* The internet connection here was down...then it took me a reeeeally long time to figure out how to get to this 'thread'!
* I don't see some 'posts' and replies I thought I'd made...but I DO see a posting that wasn't done/ready to be posted, yet it somehow got up there(?!)
* Accident 2 ~ Sill feeling it (now even in the arms--typing even hurts, so my time here'll be short) but haven't done anything about it yet
The Upside
* Accident 1 -- I e-mailed my concerns/points with back-up attachments to crash-woman-#1's insurance company and they came back with an offer of $1,130 ... what do you think???
* I 'met' really nice people on this hard-to-understand FORUM (yep, that'd be you guys)!
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.
Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
medical doctors (they're reputedly the #1 cause of death and disease), and I don't relish the thought of needing to 'visit' one to satisfy a corporation's (ins. co.,'s) wishes. I have friends who are non-conventional 'healers' and I'm actually one myself. ON TOP OF THAT I'M A PERFORMER, so I CAN'T be physically 'broken' I need to move LITHELY--and I really don't have time to be down for the count!!! We (my 'mate and I, we're musicians) have a showcase/interview FOR TV filming coming up in a week and I'm doing my best here to not be freaking out! So hopefully I'll wake up feeling spry and not 'stuck'.
