I'm hoping to get some solid advice. This is the first time I've been through something like this and it is really stressing me out. This whole thing has been a goddamn mess and probably the worst month of my life.
I was rear ended on 7/10/19. Police report was filed, and the other party was at fault. This takes place in Iowa, USA.
I went to the ER and had tests done, was diagnosed with whiplash. Doctors also found a 'nodule' in my throat that they referred me to a specialist for. More on this mess later.
The other party's insurance offered:
- Cover the cost of repair to my vehicle
- Previous medical bills related to the accident (ER visit)
- Future medical bills – up to 60 days after the accident, or $2,000 max.
- A lump sum of $1,000 for "Lost wages, pain, and inconvenience"
I am planning on getting the car fixed. I've done a good amount of research on this and believe I will come out okay in that aspect.
As for the medical and lost wages/pain/inconvenience, this is where I really need advice. I've already contacted a few personal injury lawyers and most are not interested in taking the case.
Back to the previously mentioned 'nodule' that the ER found in the initial visit:
- ER doctor referred me to an Ear Nose and Throat specialist to get it checked out. I took time off work to go to this appointment, only for him to tell me that I was seeing the wrong doctor. I needed to go see a pulmonary specialist. He insisted that he treat me anyway.
- I called the ER and got referred to Pulmonary. I took more time off work to get to this appointment. Turns out the 'nodule' was gone and nothing is wrong with me.
My question about this- Would it be out of line to ask for the at-fault party's insurance to cover these visits? It's upwards of $2,000 + lost wages. The way I see it is, I would have never gone to see these specialists if I had never been rear-ended. I can't say for sure if they were directly related to the accident though.
So they offered $1,000 lump sum. I feel like this is a slap in the face.
- I've been in pretty constant pain since the accident. I like to think I have a pretty damn high pain tolerance, but it hurts for me to even sit down at my desk and work. It also hurts while driving. I've lost sleep most nights just due to stress and pain. Few things to note:
- My Chiropractor that I trust is a ~60 minute drive (one way)
- Family doctor is also a ~45 minute drive (one way)
- I've been in and out of the office an absurd amount of time since the accident. I'm very fortunate that my boss is extremely understanding. Not only have I missed a ton of work, but I've needed to come in on the weekends/stay late to make up for my lost time. (Would I disclose coming in to work late to make up hours? Would this hurt my case?). I have also missed out on some random jobs my landlady was planning on having me do for her.
- All of this has put a ridiculous amount of stress on myself and my relationship. I'm anxious about my image at work being affected, my performance has definitely dipped. I've lost sleep. Even just sitting just to play video games (my normal relaxing hobby) hurts sometimes.
If I'm trying to negotiate with the insurance agent, do they have a ceiling on how much they can pay out? Do I need to ask her to send me to someone higher up? I would really appreciate some help negotiating with the insurance.
This is all completely new and kinda scary to me. I'm seeing all these medical bills rack up, my s/o have been on the rocks ever since this stuff started happening, I'm worried it's affecting my job, etc.
Please don't hesitate to ask more questions. I'm coming here because I don't have (or know of) a whole lot of resources. I'd appreciate any detailed feedback you can provide.