Many of you know that I was in a car accident in August 2011. I was stopped on the freeway, when a car going about 65+mph rear ended me. I have had back, rib and neck problems ever since. I am still trying to get a settlement to cover my costs of the accident. That being said, I have some wise words of advice for anyone reading this.
1. Call your insurance right now and raise your PIP. I was at $3000, which is the lowest amount of coverage you are allowed. For just a few more dollars a month you can get up to $100,000 coverage. This is an account that is billed for all your medical expenses after an accident. After you use up the amount that you have, the rest is billed to the other insurance.
It doesn't seem right that we should have to have so much coverage on our end if it isn't our fault, but it is something that I wish I would have done before my accident. The reason is simple, the other insurance will do whatever they can to get out of paying. Meanwhile, the bills keep piling up and even the lawyers can't keep the companies from reporting past due bills from the accident on your credit.
If I would have had a higher PIP, I would have no bills waiting to be paid after the settlement. My insurance would be more eager to go after the other driver's insurance. I wouldn't have to spend so much of my time doing things that I thought the lawyers I hired should have already taken care of.
2. If you have Farmer's Insurance, change to another insurance. The woman that hit my car has Farmer's insurance. They offered me $700 for a totaled car (Worth +&2000). They offered me about $2,000 for all my medical bills (+$10,000). They are only looking out for their bottom line. I am a victimized victim.
I try not to complain about the accident. I will have daily pain the rest of my life because of this accident. I am just trying to get on with my life. I think it is about time Farmer's took responsibility.
1. Call your insurance right now and raise your PIP. I was at $3000, which is the lowest amount of coverage you are allowed. For just a few more dollars a month you can get up to $100,000 coverage. This is an account that is billed for all your medical expenses after an accident. After you use up the amount that you have, the rest is billed to the other insurance.
It doesn't seem right that we should have to have so much coverage on our end if it isn't our fault, but it is something that I wish I would have done before my accident. The reason is simple, the other insurance will do whatever they can to get out of paying. Meanwhile, the bills keep piling up and even the lawyers can't keep the companies from reporting past due bills from the accident on your credit.
If I would have had a higher PIP, I would have no bills waiting to be paid after the settlement. My insurance would be more eager to go after the other driver's insurance. I wouldn't have to spend so much of my time doing things that I thought the lawyers I hired should have already taken care of.
2. If you have Farmer's Insurance, change to another insurance. The woman that hit my car has Farmer's insurance. They offered me $700 for a totaled car (Worth +&2000). They offered me about $2,000 for all my medical bills (+$10,000). They are only looking out for their bottom line. I am a victimized victim.
I try not to complain about the accident. I will have daily pain the rest of my life because of this accident. I am just trying to get on with my life. I think it is about time Farmer's took responsibility.
