SIU = Special Investigation Unit.
Hey guys, I know a lot of you have burning insurance questions.. I handle complex liability, auto and property claims. I specialize in insurance within Canada btw. Ask away.
I was recently in a 3 car accident. The 3rd car rear ended 2nd car, and 2nd car rear ended me. The insurance of 3rd car is taking 100% responsibility of the accident. With that said I have some questions. I was not injured in the accident, by my wife is, and is currently starting to get treatment. I don't want to hire an attorney if possible.
Thank you for your advice.
TRIGGER WARNING : INJURY DETAILS
Figured this would be a good a place as any to get some information. In late 2017, I recently moved to a new city in California to be closer to my girlfriend who received a job in said city. After moving, and living in town for a week, I was hired at a local Hotel, due to having an extensive background in Hospitality, and was told to start the next week. The same night I was hired, I was involved in a serious car accident. The other driver lost control going 55/60 in a 35, going around a winding turn, overcorrected, came into the other lane and fishtailed our car, totaling it. I was the passenger in the front seat of our vehicle, my girlfriend being the driver, not severely injured (thank goodness, already settled, finished and moved on ).
I, on the other hand, unfortunately suffered a non displaced fracture of my Coccyx, and a Traumatic closed fracture of my Sacrum. Now, the damage to my car was so severe, that the EMT had to classify the car crash as "traumatic", something about the indent of the frame being bend in more than 11 inches? I don't quite remember the details, anyways, because of this, EMT's were forced to transport me to 60 miles away to a different city, because the hospital in the city I live does not have a Trauma Unit. 60 miles on potholed country road, flat on my broken back, and ass. No amount of Morphine could make me forget that hour, believe me.
Let's fast forward. Sorry if I skip around, lot's to cover! Since the car accident happened the day I was hired, that made working my new job very difficult. Long story short, I lost that job without even working my first day. That's just the start! Let's move ahead. Around a 40 days bed rest. Several months of Physical Therapy. Bladder problems. Pain Urinating/Pooping. Urologist. Cystoscopy reveals damage and new scarring of my bladder. Blood in urine for several weeks after procedure. Blood in Urine ceases. Resume sexual activity after a month of healing. Blood in semen. Fun. Further healing needed. Pain during defecation subsides eventually. Decide against further surgical procedure to test Bladder nerve function.
Fast forward more. Well into 2018, still not working, due to new numbness and pain radiating down into my left leg. Legs behaving strangely, losing strength. Still have not closed medical treatment, so see doctor again. Sent to Neurologist. Neurologist confirms nerve damage in S1 L5, as well as Lumbosacral Radiculopathy. Neurologist gives me an option of back surgery. I ask for Chiro. He agrees. Insurance approves Chiro twice a month. It helps. 3 more months of Chiro and my own personal workouts, and pain is starting to become somewhat managed. (I would take this chance to point out during this entire time I never allowed the doctor to prescribe me pain medication. The family I moved from was addicted to drugs.)
Now, the time has come to close out, and settle. I live in California, and I have Medi-Cal insurance, as I was unemployed during my initial move, and signed up to cover myself while I was unemployed – (could you imagine if this happened to me without health insurance, my god) – which will effect the pricing of my bills due to their unique negotiating. I basically just want to make sure that I can continue to live my life after this accident. It's becoming pretty clear that my level of physicality has been significantly decreased. My employment in hospitality has always been based around my size, and strength, which I would say I am only at about 65% at best. That's nothing to say about the sheer anxiety I feel around vehicles now, let alone angry or unsafe drivers, and let's not even talk about the nightmares. I am just very curious what to keep in mind when their adjuster offers a settlement. The other driver was completely and admittedly at fault.
Thank God, through all this my girlfriend has stuck with me, and has been keeping me afloat during this time, she saw me at my lowest, struggling to regain my strength just to walk again, and I just want to make sure I can do right by her. I would like to make sure I have enough money to cover all the bills that my insurance will want me to back pay after my settlement, but I am not entirely sure how to calculate my "pain and suffering". There is just so much over the past year and half.. What do I include? We can't exactly afford to get an attorney, we've spoken to a few, and most seem disingenuous unfortunately, so I would prefer not to involve one if I can avoid it. My only problem is, the claims adjuster has been a little shady to me throughout this process, trying to get me to settle early, and without finish treatment. I don't like the feeling that everyone is taking advantage of me while I am hurt. Now that it's over, I just want to make sure I get treated fairly.
I humbly ask Reddit for it's expertise, and advice. Thank you.
I live in CA. How would I get insurance set up before I cam start driving? It's my first time buying insurance. I already have it set on the car I currently drive. Since we're on the same topic, what do I need to do in the DMV? Register the car under my name? Buy license plates?
And is it cheaper to stick to the same insurance company and add insurance on the new car, or get a different policy on a new company? I plan to drive two cars for at least a few months. Thanks
When you consider all the elements involved in wedding planning, your venue selection is one of the biggest decisions to make. Preparing a list of questions to ask potential venues can help you find the right fit for your vision. Here are some questions to consider asking as you compare venues to host your big day.
When seeking out a venue, setting a budget is a good place to start. Then, ask venues what’s included in their rental fee, says Brides.com. Some items, such as tables and chairs, linens or the use of a sound system, may not be included in a base fee. Or, if elements like these are included, keep in mind they may consist of basic colors or styles, and you may need to pay an extra fee to upgrade the items, says Brides.com. Additionally, ask if the venue has a caterer that you’re required to use, and if any food or beverage costs are included in the rental fee. Remember that if they do have an exclusive caterer, you may be subject to a minimum spend, adds Brides.com.
An event venue can look large and spacious when it’s empty, says The Knot. Think about how the space will accommodate your guests, and if it may still feel roomy and comfortable when your wedding is underway. Brides.com suggests having a general idea of your guest list count in advance, so you can determine if the minimum or maximum guest capacity works for your needs.
One way to get a feel for how a potential venue would work for your wedding is to tour it. Doing so can help you get a feel of the venue’s layout and theme, and if it suits your vision and needs. You should also address the venue’s parking and accessibility, says Brides.com — for example, is there a large parking lot to accommodate all of your guests? If it’s an outdoor venue, is there restroom access for guests? You may also want to inquire about whether the space is private or open to the public, or if it’s a shared venue space (which means that more than one wedding can occur on the same night), so you know what to expect.
MarthaStewartWeddings.com also recommends asking about some of the more intangible aspects of the day. Are there time restrictions on setup, or does the wedding need to end by a certain time? Be sure to find out if there any local noise ordinances in place, as well.
Even well-planned events can unexpectedly go awry, whether due to family emergency or severe weather. Plan to ask each venue what their policy is when it comes to moving or canceling a wedding date, or what their “Plan B” option is, recommends The Knot. For example, if you plan an outdoor reception, but the weather does not cooperate, what happens?
You may also want to look into special event insurance to help protect your wedding investment. Event insurance may help reimburse you for lost deposits and other fees if you’re forced to unexpectedly cancel or postpone your wedding.
Ask potential venues if they provide a coordinator or point person to help you before or on the day of your wedding, recommends Brides.com. If they do, it may be a good idea to confirm exactly what the coordinator helps with. Do they assist you with wedding details along the way, such as coordinating vendor meetings or helping you find the right linens? Or, do they only provide assistance on the day of the wedding? It’s also important to ask whether or not you can expect assistance from the coordinator when it comes to setting up and tearing down your decor and rental items.
Preparing a list of questions to ask potential wedding venues may help make your decision easier. Take time to consider your needs and what’s important to you, so you can choose a venue that helps make your big day exactly what you’ve dreamed of.
When it comes to planning your wedding, you may decide to hire a disc jockey (DJ) to help entertain your guests on your big day. The right wedding DJ helps keep things on schedule throughout the night, like special dances or a cake cutting. And, your DJ can help create a fun atmosphere that sends your guests home with a smile on their faces. To help you pick the right DJ for your wedding reception, consider asking these questions:
First, find out if the DJ fits in your budget, and be sure to ask exactly what’s included in their fee so you know what to expect. You should also ask if they have an official contract outlining their services and terms, says The Spruce — and you may want to think twice if they don’t.
Here are some questions Brides.com recommends asking a potential wedding DJ about their rates and fees:
By asking these questions up front, you can help ensure that you aren’t surprised by extra charges down the road.
Some DJs may offer different packages or add-on services for couples to choose from. These packages may include elements like a video screen or special lighting, says BridalGuide.com. If the DJ does offer packages, and none of them seem to fit exactly what you need, consider asking how you can further customize services for your day. For example, perhaps you’d like the DJ onsite for fewer hours than the packages include, but would like them to provide a photo booth that’s included in another — are they willing to build you a custom package?
Find out how much experience the DJ has with weddings, recommends The Knot. Consider asking these questions:
Additionally, check out how serious the DJ is about their business. For example, do they keep backup equipment on hand or do they carry liability insurance?
Like finding the right venue and flowers, you should try to find a DJ whose style complements yours. Ask potential DJs to describe their style so you can see if it fits your wedding vision, says The Knot. Also ask if they can provide video or audio recordings from other weddings they’ve played at, suggests The Spruce. That way, you can get a feel for their demeanor and style. It also may not hurt to ask the DJ how they’d handle certain situations, such as how they might motivate guests to get up and dance if the floor is empty.
According to BridalGuide.com, it’s reasonable to expect your DJ to allow you to customize a music playlist. This means they should accept your “play” and “do-not-play” lists, and let you request special songs to be played. However, be sure to ask if they will charge extra for songs they may need to download so you know what to expect, says Brides.com. You should also ask the DJ if they’ll accept song requests from guests, and how they should be handled, recommends The Knot.
Sound can vary greatly depending on where you hold your reception, says BridalGuide.com. It may be a bonus to find out a DJ has played at your wedding venue before, as this likely means they’re already familiar with the room’s acoustics. And, some venues may require a DJ to bring extra supplies, such as extension cords or a generator, says The Knot. If that’s the case, a DJ’s existing knowledge of the venue’s sound requirements may also be beneficial. If the DJ hasn’t played at your venue before, you may want to ask if they are willing to make a visit before your big day.
Finding the right DJ for your wedding starts with asking the right questions. While you embark on the search, keep these questions in mind so you can ensure you’ve chosen a DJ that will help keep you and your guests dancing all night long.
Whether traveling for a business trip or a family vacation, renting a car can be a pain. Standing at the counter, itching to get on the road. And ALL the questions they ask you: do you want to return it with a full tank or do prepaid fuel? Oh, and how about purchase “third-party” insurance (aka liability insurance)? UGH …
But knowing the questions — and answers — beforehand can help save you money and make the whole ordeal … surprisingly painless!
Many rental car companies try to add on extra insurance coverage to your rental. But you may already be covered by your regular insurance. Just note that if it’s a commercial or business rental, your personal car insurance likely won’t cover it. Either way, it’s smart to check in with your insurer before tacking on anything more. Additionally, depending on the company, your credit card may take care of any additional insurance fees — just be sure to use that card to pay for the rental car!
Most rental car companies will ask if you want to return the rental with a full tank or have them fill it up. Although it may be less convenient, money-wise it’s usually better to take care of it yourself. Weigh the pros and cons to see what works best logistically, as well as for your pocketbook. Some companies may offer a pre-set cost per gallon to refill the tank, which could work in your favor. But most charge a per-gallon amount to fill up a tank, which can be much more expensive than hitting a gas station before returning it.
Also important: know what kind of gas the rental car takes. In the U.S. this isn’t a big deal, but if renting a car overseas, avoid the mistake of putting gas into a diesel car or vice versa!
The daily rate was likely set when you booked the car. Just to cover all bases, verify what’s included in the rate to avoid any extra fees at the end of the trip.
Most rental car companies offer unlimited mileage as the standard, but some may have policies about daily mileage maximums. If the rental car company asks for a preference, it’s usually best to choose unlimited mileage.
Although people at the car rental place may be the ones asking the questions, don’t forget to ask a few yourself. Doing so’ll help prevent surprises down the road. A few to remember:
Sometimes, rental car companies designate different locations for pickup and drop-off. Confirm locations in advance, especially if air travel is involved! It’s also worth noting any early or late fees. Changes while traveling can be unavoidable, so just be sure to call if it looks like you won’t make it by the cutoff or need to return the car early.
When picking up the car, ask what to do in case of an accident or if the car has mechanical trouble. Will the company replace the car? Provide a tow truck? Best to have these questions answered just in case.
It’s always a good idea to ask ahead of time about extra charges. Things like hidden fees, fuel charges, key replacement, and additional drivers, to name a few. The more transparency the better, with as few added charges as possible.
Once you’ve answered all their questions, and they’ve answered yours, grab those keys and hit the road. And it bears repeating: make sure you’re covered. Happy driving!