Xnke Posted August 1, 2012 Share Posted August 1, 2012 Yeah, you need a better lawyer. Good to know you'd be getting the full payout...but if your bills total more than 25k you'll still get the raw end of the deal. Hope everything works out for you. Quote Link to comment Share on other sites More sharing options...
zgeezer Posted August 2, 2012 Share Posted August 2, 2012 So I talked to a lawyer one word Moron, he basically told me his game plan was the one I already had. So I left there and went to insurance lady good news they evaluated my car already. So I hear this and get ultra anxious sit down she shows me the numbers some good news some not, the good they are offering me 7k for the car. I paid 1k for it and put 1 k in to it so net profit I seriously thought they would offer me less than 1k for it. The crazy is I can buy it back for 1.5k I think not I have never paid more than 1k for a z although prices have really gone up in the last couple years, this thing is toast. So I passed. Next I ask about max coverage amounts on the guy who hit me, apparently this is no no. So I explain my position and the fact I need answers because between my girlfriend and I we are at 25k in bills with many more to come she says OK since you are that far along his policy is 25/50. So now I have to give her copies of my bills so far, what she told me is if my bills are that amount already she will issue a full policy payment of 25k a piece to my girlfriend and I 31 days after the accident. So then I will use that cash as a bargaining tool to drop prices and help negotiate better prices for the dental and chiropractors that are next. I was trying to keep my V.A. doctor out of this but since he is free I think I will make an appointment with him for my follow up head scans and evaluations. I cant do any better than a full policy payout well I could sue but turnips don't bleed blood. Oh and I found out that his truck is not getting fixed because he was using it for commercial purposes, I.E. delivering pizzas with out a commercial insurance plan. Apparently when you use a personal vehicle for work stuff regularly you have to call the insurance and declare to them the true nature of your intended use which increases your insurance to a 50/100 policy minimum I guess. NOTE.... This is Colorado and 25/50 is the state min on insurance. Full policy payout works; but, I'd read your policy closely for language like this: "per occurrence combined single limit bodily injury/property damage or "bodily injury by accident, each accident" In a 25/50 policy this would mean $25,000 for both you and the GF. g Quote Link to comment Share on other sites More sharing options...
zgeezer Posted August 2, 2012 Share Posted August 2, 2012 So I was delivering newspapers and a pizza delivery guy in a Tacoma ran a stop sign at about 25 miles and hour and hit me while I was doing 50. Now my car is no more. I am hoping that some on here have experience dealing with insurances over z cars and can offer advice. His insurance policy and mine is with progressive not sure if that helps or hurts. I was unconscious for 7 hours my girlfriend was out off and on we spent 24 hours in the hospital and three days later still cant see straight I have to close my left eye to see anything right otherwise it is major double vision. Strangely enough no bruises on either of us but major concussions and her ankle is all jacked up it swelled up about twice normal size. My fear is I get disability from the V.A. for my ankle and my knee was just about to get approved and now the crash made them both worse so I don't know how that is going to play out. but here are pics A "pizza delivery guy" you say. Well, you might have another insurance policy available to you: the pizza business (franchise) that requires employees to use their own vehicles for delivery of the franchise's goods. These laws are different for every state; but, given the fact that you were in another state of mind for 7 hours and have severe double vision and $25K of medical bills I'd recommend you talk to another attorney. Avoid the splashy video ads of some dude who looks tough into the camera and intones "I'll fight for you!". You need experience. Look for someone or a firm, that advertises $1.0M jury awards. Or, better yet, there are publications that track jury awards and will tell you the attorneys that are winners or losers. In Colorado, look here. Don't stress the Z, look out after you own health.......some of this stuff doesn't show its head until 5 or 10 years down the road. Good to hear you are alive. G Quote Link to comment Share on other sites More sharing options...
zgeezer Posted August 2, 2012 Share Posted August 2, 2012 (edited) So I talked to a lawyer one word Moron, he basically told me his game plan was the one I already had. So I left there and went to insurance lady good news they evaluated my car already. So I hear this and get ultra anxious sit down she shows me the numbers some good news some not, the good they are offering me 7k for the car. I paid 1k for it and put 1 k in to it so net profit I seriously thought they would offer me less than 1k for it. The crazy is I can buy it back for 1.5k I think not I have never paid more than 1k for a z although prices have really gone up in the last couple years, this thing is toast. So I passed. Next I ask about max coverage amounts on the guy who hit me, apparently this is no no. So I explain my position and the fact I need answers because between my girlfriend and I we are at 25k in bills with many more to come she says OK since you are that far along his policy is 25/50. So now I have to give her copies of my bills so far, what she told me is if my bills are that amount already she will issue a full policy payment of 25k a piece to my girlfriend and I 31 days after the accident. So then I will use that cash as a bargaining tool to drop prices and help negotiate better prices for the dental and chiropractors that are next. I was trying to keep my V.A. doctor out of this but since he is free I think I will make an appointment with him for my follow up head scans and evaluations. I cant do any better than a full policy payout well I could sue but turnips don't bleed blood. Oh and I found out that his truck is not getting fixed because he was using it for commercial purposes, I.E. delivering pizzas with out a commercial insurance plan. Apparently when you use a personal vehicle for work stuff regularly you have to call the insurance and declare to them the true nature of your intended use which increases your insurance to a 50/100 policy minimum I guess. NOTE.... This is Colorado and 25/50 is the state min on insurance. Let me repeat.....go to another attorney... see the post above. That pizza parlor may have some liability in this. Different states have different laws affecting liability, but every state imposes liability on a master for the negligence of his servant in course of doing the master's bidding. This is employee/independent contractor stuff. Check it out before you sign anything with Progressive or Progressive. g Edited August 2, 2012 by zgeezer Quote Link to comment Share on other sites More sharing options...
suparman Posted August 2, 2012 Author Share Posted August 2, 2012 I asked about the 25/50 and clarified that it would 25k a piece. Probably just cover the medical bills in the end. I have another appointment with a lawyer who doesn't advertise so I feel better about him already. We will see, I was under the impression the company would hold some liability but haven't got a good answer from anyone yet. Thank you for all the advice and support, in the end as long as the medical bills are covered I am happy. We will see though this is going to be hard to determine just how much they will cost. Quote Link to comment Share on other sites More sharing options...
suparman Posted August 2, 2012 Author Share Posted August 2, 2012 Amazing link Zgeezer..... Thank you very much. Quote Link to comment Share on other sites More sharing options...
JMortensen Posted August 2, 2012 Share Posted August 2, 2012 Although I was never out as long as you, I've knocked myself out for a bit trying to be Ricky Carmichael and I had trouble remembering and figuring things out for a couple days after. Head trauma sucks! I don't want to jack your thread too bad but I had an experience hugging a tree on a mountain bike and it took me at least a year to recover my short term memory. I never lost consciousness from what I'm told, but I didn't remember 3 days previous to the accident. Quote Link to comment Share on other sites More sharing options...
suparman Posted August 3, 2012 Author Share Posted August 3, 2012 Head trauma sucks! I don't want to jack your thread too bad but I had an experience hugging a tree on a mountain bike and it took me at least a year to recover my short term memory. I never lost consciousness from what I'm told, but I didn't remember 3 days previous to the accident. Damn that sucks at least I have an idea what to look forward to,lol, I don't remember anything, everything I posted here is what the doctors and police told me. Kinda nerve racking really. I went to where the accident happened no skid marks or anything kinda bothers me I am a good driver and have avoided many accident's I have over 1 million safe driving miles between UPS and the oil field so I just don't understand why I didn't see what was happening and try to avoid it. Kinda wish I could remember for that reason alone. Quote Link to comment Share on other sites More sharing options...
johnc Posted August 3, 2012 Share Posted August 3, 2012 Damn that sucks at least I have an idea what to look forward to,lol, I don't remember anything... so I just don't understand why I didn't see what was happening and try to avoid it. Kinda wish I could remember for that reason alone. $20 says you did see it happening and you did try to avoid the accident but you can't remember as a result of the concussion. Maybe you swerved without hitting the brakes or you hit the brakes but didn't skid a tire. Quote Link to comment Share on other sites More sharing options...
JMortensen Posted August 4, 2012 Share Posted August 4, 2012 I hear you. On my bike the steer tube on the fork was folded and the actual forks came disconnected from the frame. The swedge on the tube failed, so the theory is that the fork failed as I hit a jump, but it could also be that I endoed really badly. I do remember immediately after, laying on the ground, but just about 10 seconds, then the next bit was the smoking hot nurse in the hospital. It bugs me too, but don't beat yourself up too badly. Your driving record is pretty stellar from the sound of it. Just to give you an idea of what I went through with the brain injury, in the hospital I told my wife to call my ex-boss in CA to tell him I wouldn't be in to work the next day. We had moved to WA state about a year previous. The doc came in the room and I shook his hand and said: "Hi, my name is Jon and this is my wife Melissa and my friend Jaxon." He left and came back and I shook his hand again: "Hi, my name is Jon, and this is my wife Melissa and my friend Jaxon." He left and came back, hand shake again. "Hi, my name is Jon..." Apparently I did this 3 or 4 times, and it scared the crap out of my wife. The lingering symptom for me was starting a sentence and then not remembering what I was saying 1/2 way through. Very annoying. For several months I had to write down everything as people were saying it at work, and had to stumble through awkward conversations where I couldn't remember what I was talking about. Over time it got better then finally I think I was pretty much back to normal after about a year. Side note: if you get hit really hard you lose inhibitions. When the paramedics strapped me to the backboard I asked if I could get my own backboard at a sex shop, to which they apparently responded "Oh yeah, he hit his head alright!" Later when I went in for the CAT scan my wife was waiting in the hall hearing the nurses exploding with laughter, and they came out and told my her: "Your husband REALLY loves you!" then went on down the hall laughing their asses off. I have no idea what I said to them, but apparently it was pretty funny... Quote Link to comment Share on other sites More sharing options...
mrcheeze36 Posted August 4, 2012 Share Posted August 4, 2012 The doc came in the room and I shook his hand and said: "Hi, my name is Jon and this is my wife Melissa and my friend Jaxon." He left and came back and I shook his hand again: "Hi, my name is Jon, and this is my wife Melissa and my friend Jaxon." He left and came back, hand shake again. "Hi, my name is Jon..." Apparently I did this 3 or 4 times, and it scared the crap out of my wife. That's crazy...reminds me of 10 second Tom on 50 First Dates "Hi, I'm Tom..." Quote Link to comment Share on other sites More sharing options...
neotech84 Posted August 4, 2012 Share Posted August 4, 2012 Some info on the buy back process. The insurance company has a SET percentage on the price based on the payout. So the more you get the higher the buy back cost. But for that price you can get a good runner. Quote Link to comment Share on other sites More sharing options...
suparman Posted August 4, 2012 Author Share Posted August 4, 2012 Yea they tried to sell it back to me for 1500 ,I said no and used it as an excuse to restore the spare one I had so I bought new tools and sent it to the sandblaster. Quote Link to comment Share on other sites More sharing options...
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