theoutbackdream
New member
Why did they try to screw you to the wall?
What happened in your accident? Were you at fault?
That's insane that you got a new 4runner AND 10k left over.
Well... I got rear ended today, but....
- Thread starter theoutbackdream
- Start date
What happened in your accident? Were you at fault?
That's insane that you got a new 4runner AND 10k left over.
theoutbackdream
New member
Who did you have before? Who do you have now?
theoutbackdream
New member
It was Concord Insurance Company out of NH...I now have USAA Insurance big difference
ToyoT4R
Member
USAA, they have our backs.
ToyoT4R
Member
I wasn't at fault at all, the other driver pulled out directly in front of me and I had nowhere to go but into his beat up pickup truck.
No I was not at fault but felt like it !
I was rear ended on the highway by an F150, they tried to get me to settle for less than the truck was worth (they keep the difference), they wanted me to eat the 3,000 dollars in taxes I had rental on my policy and they would not honor it (fully) so I sued them all I wanted was what I lost...I also put 9K down on the truck and was told "I should never put that much money down" WTF ?
YetiX
New member
Do you have a lawyer yet? Where in California are you located? If you're in the SoCal area, shoot me a PM and I can refer you to a good lawyer.
I'm a lawyer, although I don't do this kind of law, and if I were in your shoes I'd get a lawyer ASAP. Your own insurance company may be helpful in dealing with your car, but nothing else. They will not help you with your injury claim.
Good luck and I hope you're feeling better!
I'm a lawyer, although I don't do this kind of law, and if I were in your shoes I'd get a lawyer ASAP. Your own insurance company may be helpful in dealing with your car, but nothing else. They will not help you with your injury claim.
Good luck and I hope you're feeling better!
theoutbackdream
New member
theoutbackdream
New member
Wow, thats messed up.. Did you win your case?
theoutbackdream
New member
I do not have a Lawyer yet, but I am currently consulting with one.
I'm in the SF Bay area(Norcal). Know of any around here? haha
Are you serious? Even if the other party is at fault for the accident, my insurance will not help get my injury claim at all?
From consulting with many lawyers, it seems like they will only go further with my case only if my medical is greater than $10k, to make it worth both our time and money. So if it's worth less, I'll need to go through insurance...
YetiX
New member
Your insurance will not help with your injury claim at all unless you have medical coverage through your own insurance. Even then, the only help they'll give you is to pay your bills up to the policy limits.
If your medical bills are less than $10k, you'll probably have to handle the injury part of your claim for yourself. My friendly (not legal) advice, is to wait until you are completely sure you are completely done getting treatment before you agree to or sign anything regarding your injury claim. You can settle the damage to your truck separately and your insurance should help with that.
theoutbackdream
New member
So to get this right...
-My auto insurance will not help with my injury claim UNLESS I have medical/health insurance through the same company as my auto insurance? Or are we talking specifically about my auto insurance policy having medical coverage too.
-My auto insurance will only pay my bills up to my auto insurances, bodily injuries/damages? Is this 100% of all health bills or can they choose to exclude some bills?
As far as signing anything goes...
How many forms will I be given to sign? Do you know what they are? I will be sure to keep this in mind. Not sign anything or agree to anything until I am completely done with treatment.
YetiX
New member
1. We are talking about your auto policy having medical coverage too. Most policies have $5,000 of medical coverage. Once the $5k is spent, that's it.
2. No, your insurance will only pay your medical bills up to a certain amount and ONLY if you have medical coverage. The only time your own auto insurance will pay for your medical bills beyond that (usually) very low limit is if the person who hit you did not have insurance. In this case, it does not sound like that's the case so I'm not going to go into that and muddy the water.
3. Usually, there will be two primary forms for you to sign. They are generally referred to as a "Release." You will likely sign one for the property damage claim (your car) and one for your Bodily Injury claim (your medical bills, loss of earnings, and pain and suffering). In most cases, the Property Damage claim gets resolved very quickly, while the Bodily Injury claim will not get resolved until you are completely finished with your medical treatment.
Hope that helps. Again, that's just friendly advice, not legal advice.
I have USAA. Someone else hit my 4runner while parking a while back, and they were nice enough to leave a note with their contact info and have their insurance (Geico or Progressive, I think) pay for the damage. USAA was fairly unhelpful about explaining the process of making a claim either with USAA or with the other party's insurance. I ended up settling with their insurance, and the amount they gave me for the damage was fair. I didn't even get it fixed since it is so small.
Everything I've heard about USAA is generally positive, but they are not perfect. To me it's worth using them even if I could probably pay a little less with another company.
It is frustrating that no one ever explains how to handle an accident, insurance claim, etc. You just have to figure it out as you go.
Everything I've heard about USAA is generally positive, but they are not perfect. To me it's worth using them even if I could probably pay a little less with another company.
It is frustrating that no one ever explains how to handle an accident, insurance claim, etc. You just have to figure it out as you go.
Angry_shoe
New member
The catch is USAA only does veterans and children of veterans. There are some loop holes. They are awesome if you can get them.
Great company I had damage to my roof from a storm a guy came out looked at it and had a check for 10K in two weeks :reddance:
Oh yes I did...I did not want to do it but was forced to, because we actually pay for it in all reality but I was out a lot of cash and a two month old 4Runner I was bummed out about the truck being a total loss, the guy that hit me was texting and totaled both vehicles which was over 70K he was okay but he probably cannot get auto insurance now at least not affordable insurance
theoutbackdream
New member
1. So regardless of the other parties medical coverage limit, as long as my medical coverage under my auto policy covers my bills, then I should be okay? IE: If I have a $5k limit, but the other drivers limit is $4k, and my med bills are $4.5k, am I SOL for the $500 that the other drivers coverage cannot cover?
-Dumb question; is medical coverage under my auto policy = bodily injury? Or is medical coverage something completely different?
2. So ideally, once my passenger and I recover, we then go to my insurance company and give them medical bills, to which they go after the other drivers insurance? Or do I go straight to the other companies insurance with paper work?
3. Got it. Thanks for the heads up
