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Just totaled my car.

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So I was coming home, from dropping my daughter off at her school, traveling north on Hwy 17, which is a four lane divided highway, when some woman decided to make a left turn, to cross the highway, without looking. I couldn't avoid hitting her and collided pretty much with her rear passenger side tire, spinning her into a street sign and completely smashing in the front of my car.

My car is completely totaled and her car was pretty fuged up. She had her three month old baby girl in the backseat. Luckily both her and her child were ok.

I didn't want to go to in an ambulance from the scene, but I do have some back issues already and my back is already starting to hurt pretty bad. So I'm going to go to the doctor shortly. This is the only accident that I've ever had, involving another vehicle. Is there anything that I need to know, regarding medical care, to make sure that I'm compensated - you know, to avoid problems.

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Should have gone in that ambulance. Would have gotten more if you end up getting a settlement
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Sorry to hear it man. People drive like retards. How can you make a left turn and not look? poo, I look twice both ways.

Glad no one was hurt serious.

Go straight to the Dr and tell them what happened... get copies of your records and keep them.

Don't take any poo from her insurance company and make them get you a rental car ASAP... like today.
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Not an expert, but yeah, don't sign anything from her insurance company.
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That woman should have her license revoked and never drive again for the next 10-15 years. Careless driving with babies onboard really should carry a stiff penalty.

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Do not sign ANYTHING until you have all of the money from her Ins Co.

Dont cash any check the give you until you have it all. I had an adjuster give me a check "for my car" one time only for the Ins Co to claim that it was the total settlement and since I cashed it that was deemed as me accepting their final settlement.

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damn dude. i don't have any advice but i'm glad your daughter wasn't in the car, at least.

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[url="http://www.gregjoneslaw.com/"]http://www.gregjoneslaw.com/[/url]

just remember if you want to litigate these cases can drag on for years and years and years

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Just keep checking your mail box. You will have probably 2 dozen letters from attorneys.

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I hate 17 and I hate 74/76. All the little turn offs for side streets. Traffic moves anywhere from 55mph to 80mph on those highways and you got people pulling onto the road from a driveway.

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sucks man... sorry... glad you're ok.

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after reading that i'm going to go ahead and diagnose you with a concussion

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document everything muy pronto and go ahead and go to the doc TODAY if you haven't already.

expect the two insurance companies to play the blame game and each try to stonewall the other. just stay in constant contact with your adjuster and keep good notes on each convo.

don't pull a lawyer into this unless you think one or both ins companies are giving you the shaft.

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Yeah. I'm in the emergency waiting room at the moment

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[quote name='Floppin' timestamp='1354303539' post='2024153']
Yeah. I'm in the emergency waiting room at the moment
[/quote]

My mom is an ER nurse at New Hanover Hospital if that's where you are. If you need surgery ill send her a text to stitch a third nipple on you.


In all seriousness though, Hope you're Ok.

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[quote name='nickzz' timestamp='1354303059' post='2024144']
after reading that i'm going to go ahead and diagnose you with a concussion
[/quote]

And back problems? [b]100% sure you are suffering from whiplash too![/b]

Might have a cracked vertabre!

Never refuse a ride in an ambulance!

[b]NEVER admit to taking ANY drugs, not even cold medicine, Red Bull, etc. before hand! Or Say, I'm fine"! Her Inurance company will use that against you. In fact, they will try and use your drug history against you![/b]

Like the others said. DON'T SIGN ANYTHING!

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I called my attorney that's represented me on all my matters in this area. He's already making sure that everything is on the up and up.

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[quote name='Floppin' timestamp='1354303539' post='2024153']
Yeah. I'm in the emergency waiting room at the moment
[/quote]

When they take you back to be checked out tomorrow, let us know what the doc says
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yea and how many oxycondones you have

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Got 40 vicodin 5's, 65 flexerel, and 40 800mg ibuprophen.

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They didn't want to do xrays because they felt like it was only tissue damage. But I'm probably going to go back after two days and make them do xrays.

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I am glad to hear you are ok, like everyone else said, don't sign anything

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[quote name='Floppin' timestamp='1354310975' post='2024296']
Got 40 vicodin 5's, 65 flexerel, and 40 800mg ibuprophen.
[/quote]

The street value alone might get you that new car

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Tough luck on that, same kind of accident happened to me ~ 2 years ago, my wife was hurt and has had to have multiple surgeries.

You need to be careful with the insurance companies as they will want to minimize their payouts. Our accident wasn't in NC so i can't say how local laws apply to you, but some lessons learned we had were:

If you have medical insurance, make sure you use that for all of your treatments. The network discounts alone make it worth your time, else you can end up paying any settlement money back to the doctors. Heck we had one bill alone dicount was over 40G. If i hadn't billed that through my insurance I'd owe that hospital the 40G+ rather than the fraction of that I was charged after discounts. Also depending on NC and your medical insurance type, you may not have to pay the insurance company back with any settlement.

Don't discuss ANYTHING with her insurance company until you are ready to settle. They can and will use any statements you make against you.

Don't talk settlements until you are fully healed, have completed any and all treatments, physical therapy etc...

See if NC has a law similar to GA where her insurance company is required to provide you with her insurance coverage amounts.

At the end of the day, whatever she is covered for is all you will be able to get unless you want to sue her personally.

Check your auto insurance for uninsured/under insured coverage, if your medical bills exceed the other woman's coverage you might be abe to file a claim on your insurance for any balances.

Once you get to the point of settling, pain and suffering is generally 2-3 times your damages. Good rule of thumb to use if you think they are lowballing you on the offer.

We went with a lawyer upfront, and they will typically want between 30-40% of any settlement. With what i know now, i probably wouldn't have used one, but he pointed out a lot of the items we learned along the way so in our case we will likely come out ahead by using one.

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[quote name='Inimicus' timestamp='1354296005' post='2023971']
Do not sign ANYTHING until you have all of the money from her Ins Co.

Dont cash any check the give you until you have it all. I had an adjuster give me a check "for my car" one time only for the Ins Co to claim that it was the total settlement and since I cashed it that was deemed as me accepting their final settlement.
[/quote]

Well....

His property damage

And

Bodily injury claim are seperate claims.

You can get treatments for months and months for injury. You still can resolve your property damage before settling the injury portion. Just have to be careful you don't sign anything releasing them of ALL damages.

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