Last post on Sep 20, 2013 at 8:25 AM
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#5332 of 5338 Re: igozoomzoom [marsha7]
Sep 16, 2013 (7:41 pm)
You remind me of the one PIP case where the passengers of my insured's car claimed neck and back injuries after the impact. Amazing that as soon as the coverage ran out, they stoped their feel good apointments with the chiropractor and were cured.
#5333 of 5338 Re: igozoomzoom [marsha7]
Sep 17, 2013 (6:07 am)
It’s interesting that you mention the elder folks; they can be a real challenge to work with! =)
My mom and grandma were rear-ended back in 2005 at the 4-way stop in the tiny little town where they live (Waleska, Georgia, Home of Reinhardt University). They were in my grandma’s mint-condition 1993 Cadillac Sedan De Ville (12 years old, 32k miles and showroom condition inside and out)
The woman who rammed them was driving a late-model Pontiac Grand Prix that had already been wrecked (and not repaired) prior to this one. She got out of the car immediately and started yelling and making a scene. My mom’s initial instinct was to shut her up (by whatever means necessary), but she quickly noticed that the idiot was slurring her words and was clearly under the influence of alcohol and/or drugs. So she just waited for the cops to arrive and tipped them off.
The local Fire Station and County Sheriff outpost are both less than ½ mile from the accident scene, so they were on-site in well under five minutes. The woman who rear-ended them refused to submit to a sobriety test of any kind and she had a history of DUIs and drug & alcohol-related offences. She had insurance with some non-standard company I had never heard of AND when the officer ran her license it was actually suspended due to a recent DUI! Needless to say, she left in the back seat of a police car.
The physical damage didn’t look all that bad, but there was some frame damage in addition to the visible cosmetic damages. My mom wasn’t injured, but my 85-year old grandmother’s was under the car of an orthopedic surgeon for the next four months and had to attend physical therapy twice per week.
I was very surprised that the adjuster from her off-brand insurance company offered to pay for my grandma’s actual expenses for medical care, physical therapy, prescriptions and he even offered mileage reimbursement since each trip to the doctor or therapy was at least 35 miles round-trip! My step-dad handled the claim (I was still in the housing industry and living in Vinings at the time) and he didn’t press for anything other than reimbursement for out-of-pocket expenses. Even though I wasn’t in the insurance business yet, I told my step-dad that I’d cut off his most precious body part if he signed ANYTHING before we were certain my grandma was in the clear and wouldn’t need further treatment. Ultimately, he didn’t sign their settlement agreement for almost a full year. Even so, the total amount claimed for actual expenses was less than $12k and they immediately paid without question.
Settling the Property Damage portion of the claim for her vehicle was much more difficult and unsatisfactory! My step-grandfather bought her Caddy new in 1993 for $37k. After 12 years, it only had 32k miles on it and literally looked brand new. They declared the car a total loss and the first offer was only just $4,800. I did some research and determined that ACV on was closer to $5500 plus the value guides (KBB, NADA) added $1000+ for the low mileage. I finally told my step-dad to start closer to $8k and stand firm at the $7k mark….after many phone calls, arguments and trying to help my grandparents understand that they were getting at least as much as any buyer would have paid for it prior to the accident, they finally told my step-dad to take it and be done with the mess….
I’ve ran into very similar situations where an elderly customer drives a pristine car that is 10+ years old and only has 30-40k miles on it! I have argued with insurers until they finally agreed to repair them instead of totaling them! In particular, my pediatrician (now in his late 80s) drives a 1995 Acura Legend (final year) that still turns heads and he keeps it spotless and shining all the time. Some moron hit him in the right rear side and did so at just the exact spot to cause damage to the rear fender/quarter panel, rear door skin, and bent the wheel/tire damaging the suspension and axle. They initially were planning to total it and I had to work hard to haggle them up to $6750. I was PRAYING that he’d take it because I had EVERY INTENTION of buying that bad boy from the insurance company for around $700 and having my brother-in-law (the best Acura/Honda paint and body man in the Southeast) repair it for me on the side. But Doc couldn’t part with it and it cost $6200 and change to repair it properly.
My mom got a call from District Attorney about five weeks after the accident occurred. The woman who hit them was scheduled for court and he called mom to his office for a deposition and later asked her if she would be willing to appear at that woman’s court dates. I insisted that mom go and I took vacation time to go with her! Someone had to get her off the road (and make sure she saw some time behind bars) before she hurt or killed anyone else! She was incarcerated for 12 months (minus time served) and on probation for five years after her release. She is also legally prohibited from driving a vehicle ever again.
BTW- this is my favorite part to tell about this accident….My grandma always had very long, thick hair (she’s Pentecostal) and she always wore it up in ‘bun’ on top of her head. By the time she reached her early 80s, her hair had thinned considerably and her trademark ‘bun’ wouldn’t hold together, even using every bobby pin in the free world!
She grew up very poor and had a very tight budget during her marriage to my bio-grandfather (died before I was born). But she made herself some beautiful dresses and even more suits (jacket and skirt, ankle-length skirt to fit in at church, I think) and never left the house unless she looked her best! She’ll be 94 very soon and she STILL dresses up to go to the doctor or anywhere else.
Her thinning hair bothered her a lot, so she started wearing a wig everywhere in her early 80s and still does. But when she and mom were rear-ended, her wig flew off her head and landed on top of the dashboard! Once she regained her bearings after being rammed, she realized that her wig flew off and she hurried to put it back on before the EMTs and firemen showed up.
A moment later, firemen approached her to ask if she was injured. But his first words were, “Ma’am, I think you have your wig on backwards….let me help you with it!” =) I just wish I had a photo!
#5334 of 5338 Re: igozoomzoom [igozoomzoom]
Sep 17, 2013 (7:29 am)
Why are there all these question marks throughout your post instead of certain characters or spaces?
#5335 of 5338 Re: igozoomzoom [imidazol97]
by Stever@Edmunds HOST
Sep 17, 2013 (7:36 am)
Usually I see that kind of stuff when people compose off-line in MS Word or something and the punctuation code will tag along (that's she'll in this case).
That said, I'm not seeing it.
#5336 of 5338 The problem with older
Sep 17, 2013 (3:14 pm)
pristine cars, like that Caddy with low mileage, is that after 10+ years, it has lost much of its value, yet replacing it would cost much more than it is worth...esp after it is paid off...
euphonium: I always walk a tightwire with some of these accident cases...does not matter if it is physical therapy or chiropractors, they are the two main healing arts that will see a person 2-3 times weekly for a number of weeks...I personally believe strongly in both of them as valid treatments, much better than pain pills and muscle relaxers from MDs that almost put folks to sleep or makes them feel loopy, rarely helps the pain and rarely helps the spasm...if asked, I usually recommend either the DC or the PT for treatment after the wreck...
Having said that, I also have a few caveats...I tell the client that if they feel MUCH better before the recommended treatment regimen has ended, feel free to talk to the PT or DC about winding down the intensity of care faster...I am NOT playing doctor, but trying to help control bills that do not need to go any higher than they have to...same with the DC or PT...if this is a case with minor injuries, with mild vehicle damage under, say, $2,000.00 or less, I will inform the practitioner that we do not have a severe case and to be watchful of their treatment...
Now, with $10,000 or more damage (on an average car, which implies a LOT of impact and damage, not a Ferrari where $10,000 damage is a scratch on the fender) I expect that the treatment bills will be higher, and that is quite reasonable...
People REALLY DO get injured in car wrecks, and sometimes it is not herniated discs or fractured bones, but serious soft tissue damage...
And yet, some folks run into a concrete bridge at 60 mph, stagger out of the car, and feel no pain at all, even after the shock wears off after a few days...it does make you wonder...
Sep 17, 2013 (3:24 pm)
They go something like this - "Your auto insurance company is hiding discounts from you. Why? Because if everyone knew this one trick, they would save an average of $455/year. That's $455 more in your pocket and $455 less in theirs. Find out what your lowest monthly payment could be."
The one trick must be to sell your car and take the bus.
#5338 of 5338 Re: igozoomzoom [imidazol97]
Sep 20, 2013 (8:25 am)
Change how your browser interprets the page encoding.
In Firefox, click the orange Firefox button (top left), select Web Developer then Character Encoding then Western (Windows-1252) or Unicode UTF8.
In IE, right-click the page, select Encoding, then Unicode (UTF-8).
In other browsers, look for a similar option.
That normally fixes it.