Quote:
Originally Posted by Banshee
Insurance adjusters do this sh*t all the time! They manipulate and coerce people to settle and some get a cut on what they save the insurance companies.
I do not know all the details, but hearing the offender has the same ins. company as your gf is a sure sign or malfeasance and wronging. If it were seperate companies, the likelyhood of this situation occuring is much less.
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Absolutely not true, it did happen before and a class action suit was filed and adjusters cannot get a cut out of money saved. Your 1st party medpay coverage has a contractual right to collect money they paid in medpay from any settlement. It's in the contract.
You can't chalk up $10000 in chiro bills from a $500 accident and expect the insurance to cover it (that's an exagerated example for the purposes of illustration only). Without knowing the objective diagnosis, you can't say that the chiro was appropriate or inappropriate.
You don't have a tort against the at fault parties insurance- you have a tort against the at fault party.
This is important that you understand, an insurance company only OWES the amount granted by a jury verdict against their insured up to the limits of their policy. Any settlement made prior to that is an effort to save the money that court would cost. They owe 'fair and reasonable' medical expenses determined by a jury- which is not necessarily $ for $. The at-fault parties insurance views you as a legal matter, not a customer service matter.
You are now working toward a pre-trial settlement. The insurance company believes your injury is worth some dollar range based on prior similar cases. They look at you as a legal matter, not customer service. If you are not comfortable negotiating, then yes you should get an attorney. All a claims adjuster is is a trained negotiator.
I take it this is an attorney that you know? That's good, many of the attorneys that advertise for car-wreck litigation are AWFUL and they don't do the work. They farm it to associates who are basically just interns.