Q: Should i sue my auto insurance?
I was in a automobile accident 90 days ago. I have State Farm insurance comprehensive and collision. I have went back and forth about my injury and the fair market value. I went to the doctor about hip and back hurting . The dr wanted me to have a mri . Went i went to my appointment they informed me that State Farm told them i didn’t have personal injury insurance. So when I contacted State Farm they told me the same thing via letter by email. That i would have to claim that under my personal medical insurance. The amount that State Farm is offering me for my vehicle is not enough to replace my vehicle theres not another Toyota Sienna like mine for the amount their offering . Im unable to get medical care and i haven't had transportation for 90days. The emotional and mental stress this has caused me is caused my disability to get worse Do i even have a case?
A: A Kentucky attorney could advise best, but your question remains open for a week. Try to set up a free consult with a Kentucky attorney who handles such cases. Your doctor may need to work with you on the denial of the MRI. MRIs are big-ticket items, at around $1,000 a pop for cervical or lumbar series. Insurance carriers don't dole out reimbursements for them liberally - they often like to see several weeks of conservative treatment administered first in many instances before giving a green light to an MRI series. See what a Kentucky attorney says - an attorney will want to see your file before offering meaningful and definitive guidance (on the bodily injury part anyway. The property damage component doesn't usually offer too much wiggle room - that's fixed by market comparables in your geographic region. Good luck
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