Q: Should I accept this offer from the insurance company, or should I get more money?
I was in a car accident a couple of weeks ago. We were at a stop waiting for traffic to clear to turn left when the car behind us did not stop and went right into us. It was a hit and run, but they were caught. Both cars were totaled. I was the passenger in the car, and have been going to a Chircopracter for neck and back pain. Someone from the other person’s insurance called me and said they could offer me $1000 as compensation for the injury. I’m in college so that sounded good to me so I agreed. When I got the information it said that none of my Chircopracter bills would be paid for. I want these bills paid for and anything else I am entitled to. I have not signed anything yet, so I am wanting advice on how to proceed.
A: This is a perfect example why non-lawyers should never agree to do anything important when offered by a complete stranger--over the telephone? Really? There may still be time for you to extract yourself from the clutches of this uncaring insurance company--if you call a lawyer and ask for help. Do it today.
A: You will need to take the paperwork you received to a local attorney to see what your options are. Likely, there is language in the paperwork that says that that $1,000 is settlement in full of all claims you might have - including your doctor bills and future medical expenses. As it appears you now realize, that's a pretty sweet deal...for the insurance company.
As pointed out already, a good move would be to consult with an attorney. An attorney who reviewed the entire file could make a thorough assessment of the claim and help you decide your next step. Personal injury attorneys generally work on a contingency basis, and many give free initial consultations.
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