Hi everyone.. This one almost went into the rant section as a symptom of the fire burning inside me after dealing with my insurance company...I can't
get into to much details but I hope this thread will save someone the hell im involved in now.. A lot of young kids probably don't know the
consequences of their insurance not being up to par.
Ok this all began when my pregnant fiancé was t-boned when someone ran a red light. This someone was one of flints finest whiskey tango pieces of
shart. Driving his girlfriends car... Running from someone who was trying to call 911 on him for driving so insane.. And he ran the light and BOOM.
Our life changes..
Before the police could arrive.. Druggy whiskey tango sharthead ran off into the winter snow and made a get away.. The police found them a couple days
later due to him leaving his girlfriends car on the scene.. The cops kept her car but we decided no charges were required.. He's an asshat no doubt
but us getting him locked up isn't gonna fix anything, they already lost their car outa the deal.
Ok so now here we are. Pregnant injured driver.. The hospital couldn't do much because she was pregnant so she got chiropractic massages for the pain
in the mean time.. The insurance company is now using this as its reasoning for not paying for treatment "she didn't seek help for 4 months" ...
She was preggers..
We will get passed this new hurdle but its been 10 months atleast now and its just been a literal Mary go round. We are on our third lawyer.. The
first one dumped us because and I quote "it's just not a valuable enough case for my time if they didn't have any insurance" the second lawyer was
an ambulance chaser that tried referring us to his network of cronies and tried to milk our insurance for everything it was worth.. We now have a good
lawyer. Someone who wants to help.. I had to do some serious research to find him. Not just get a number off a billboard.
OK so now here we are. Finally getting some help but the insurance company is fighting for all its worth. We aren't trying to sue anyone. We aren't
filing a lawsuit. I haven't claimed back money for having to miss work and take care of my kids now. We literally are only asking for medical bills
coverage and we are getting so much flak its nuts.. AND I HAVE UNINSURED MOTORIST COVERAGE.. Not a ton but a pretty hefty amount. In the world of
medical bills its a drop in the bucket but it would be a start..
Basically, I have some pretty good coverage but not the best. To keep my rates lower we lowered some of the coverage... Bad idea.
Lessons to be learned:
1. Don't let someone drive your car if they aren't explicitly stated as a driver in your policy. Not friends cause your drunk.. Not girlfriends or
boyfriends NO ONE except for direct family and even then they could fight you.
2. Always have a massive amount of uninsured motorist coverage. Ask what 10 million dollars would cost and go from there lol. Get the absolute most
you can afford.
3. Research research research lawyers.. I know this one should be obvious but for some it isn't. Including my fiancé. She thought she studied enough
Finding the first 2 and it was hell. Really really read reviews and look for anything that isn't paid advertisement. Also this third lawyer is
someone who lives more near me in a rural setting and seems to understand us a lot more then the first 2 big city $$$ lawyers we had.
Thank you for taking the time to read my therapeutic warning/rant. Writing it out probably lowered my blood pressure by 20%. I had just opened a
letter from the insurance company right before I began this post and my god those people know how to word things in such a way that it makes you
soooooooooooooo angry. Big words don't put sugar on "ya she's not hurt we don't need to help her" that well..
Any questions shoot, or advice anyone has would be greatly appreciated.
Thanks ATS for the outlet