Well Las vegas has not treated me well my friends. I still have yet to find a job at a decent place. Then today while driving to the strip to look for jobs, I was rear ended. I was sitting at a red light when I was pummeled by a man from Nebraska. The only thing is that he was driving a rental and he did not take the extra insurance. As I am writing this I can feel my neck and upper back getting tighter and stiffer. I put a claim into my insurance company, but do not want to pay anything out of pocket since it was not my fault. I talked to a few friends who are telling me milk this and I can make some $$$$ out of it. My question I guess is if anyone knows, how am i going to deal with this? Since he did not take the extra insurance out at the rental place, does his insurance company pay for everything. Also I do not have health insurance at the moment and I may wat to see a doctor if this gets worse, which hopefully it will :tongue . Will his insurance company pay for that also. Any help would be appreciated. Thanks in advance.
Car Accident Questions
- Thread starter Steve Di
- Start date
Steve
You can milk it but don't expect to get anything out of it besides any doctor bills you incur. And you will have to pay up front for them and then wait to get reimbursed by his insurance company.
Forget faking pain and suffering. It don't work in a minor accident. If you are really hurting definately go see a Dr and get it taken care of.
Notify your insurance company first thing in the morning. You should have already done that. Let them help you through it.
Thats why you pay them.
His insurance will have to pay or you could end up going after the rental company which will go to him.
good luck
try to get some sleep now
You can milk it but don't expect to get anything out of it besides any doctor bills you incur. And you will have to pay up front for them and then wait to get reimbursed by his insurance company.
Forget faking pain and suffering. It don't work in a minor accident. If you are really hurting definately go see a Dr and get it taken care of.
Notify your insurance company first thing in the morning. You should have already done that. Let them help you through it.
Thats why you pay them.
His insurance will have to pay or you could end up going after the rental company which will go to him.
good luck
try to get some sleep now
Not sure if if Nevada is no fault state--or maybe you still have your coverage in state you moved "from".
Anyway in no fault states YOUR insurance will pay 1st $10,000 of medical bills.
Also check to see which credit card if any guy that hit you used.
Many carry extended coverage automatically like AMEX.
Anyway in no fault states YOUR insurance will pay 1st $10,000 of medical bills.
Also check to see which credit card if any guy that hit you used.
Many carry extended coverage automatically like AMEX.
Nevada isn't no-fault (not "true no fault" or even "choice no fault").
Plus, auto liability is based on old tort liability system--hence no restrictions on lawsuits.
This happened to my dad a several years ago. He had to wear a whiplash collar on his neck for months. Getting rear-ended in almost always very clear cut fault of the dude hitting you, so should be no problem arriving at fault assignment here.
Dude who hit you will have his insurance pay for it. I suggest going to doctor right away (try to get your insurance to cover this for now so no funds out of your pocket, good luck). Never know how these will turn out--- medically document any pain you have right away...
But, as Scott-A pointed out, getting much money beyond medical compensation ("pains and suffering" stuff) is hard work in minor accident. But not impossible (especially if it's true!). Back pains are very hard to medically "prove", and can be very chronically painful indeed. My dad didn't bother and just had his medical paid for.
Plus, auto liability is based on old tort liability system--hence no restrictions on lawsuits.
This happened to my dad a several years ago. He had to wear a whiplash collar on his neck for months. Getting rear-ended in almost always very clear cut fault of the dude hitting you, so should be no problem arriving at fault assignment here.
Dude who hit you will have his insurance pay for it. I suggest going to doctor right away (try to get your insurance to cover this for now so no funds out of your pocket, good luck). Never know how these will turn out--- medically document any pain you have right away...
But, as Scott-A pointed out, getting much money beyond medical compensation ("pains and suffering" stuff) is hard work in minor accident. But not impossible (especially if it's true!). Back pains are very hard to medically "prove", and can be very chronically painful indeed. My dad didn't bother and just had his medical paid for.
If you carry "Medical Payments" coverage on your own auto policy, you can use this to go ahead and get medical care and pay for it. Using it does not absolve the other driver for liability nor do you have to pay it back to your insurance company in the event of payment by the other company. If you have medical insurance through your employer, I believe you can actually collect from both and put some into your pocket.
I've been told by attorney friends that the average settlement for an unassisted liability claim (one where you don't have an attorney) is approx. double the medical bills plus your lost wages. They went on to tell me that if they assisted, it would probably be three times the medical plus the lost wages. Figuring their 1/3, you actually collect less money since you're sacrificing 1/3 of the lost wages. The advantage to securing an attorney is that you have someone else to deal with the BS "back and forth".
I believe that the other driver, in not taking the additional insurance offered by the rental company, simply screwed himself by making it such that his insurance company will now have to cover the damage to the rental car. If he didn't carry collision coverage on his personal vehicle, he'll be responsible to them for the full damage. I'm not certain that the rental companies offer any additional coverage for liability (your damage) anyway.
This isn't just the rambling of a tired nurse. Before I went into nursing, I was licensed in property and casualty insurance which includes automobile policies.
I've been told by attorney friends that the average settlement for an unassisted liability claim (one where you don't have an attorney) is approx. double the medical bills plus your lost wages. They went on to tell me that if they assisted, it would probably be three times the medical plus the lost wages. Figuring their 1/3, you actually collect less money since you're sacrificing 1/3 of the lost wages. The advantage to securing an attorney is that you have someone else to deal with the BS "back and forth".
I believe that the other driver, in not taking the additional insurance offered by the rental company, simply screwed himself by making it such that his insurance company will now have to cover the damage to the rental car. If he didn't carry collision coverage on his personal vehicle, he'll be responsible to them for the full damage. I'm not certain that the rental companies offer any additional coverage for liability (your damage) anyway.
This isn't just the rambling of a tired nurse. Before I went into nursing, I was licensed in property and casualty insurance which includes automobile policies.
1st P&C isn't my cup of tea--
no fault basically covers medical cost by own insurance co up to $10.000 in ky. You can always go thru litigation for more.
You can do want you want if not injured--but remember what goes around comes around.
--howver I will give you the jist of personal injury attorney spiel before you get there.
1st he may not take case if you did not go to hospital immediately--but had you,whether injured or not your chance of getting some cheese would have been good.
After getting hospital report attorney would have "suggested" Dr for you to see. He would then start negotiations with insurer through several standard letters with "your injuries" in fill in the blanks manner. If you really had only minor injuries he would probably settle after about 3rd letter at price from ($12,000 to $15,000 in ky) that insurer figures it is cheaper to settle than go to court. Attorney will keep bout half--you will receive bout $5,000. You will gloat--easy money--then what goes around comes around comes into play. About year later you will hit small jack pot at casino and celebrate accordingly with a few drinks--on leaving casinio you will trip on curb and really injure your back. Cost will exceed way over $5,000 and you will have lifetime of pain to think if any truth to addage--"what goes around comes around"
no fault basically covers medical cost by own insurance co up to $10.000 in ky. You can always go thru litigation for more.
You can do want you want if not injured--but remember what goes around comes around.
--howver I will give you the jist of personal injury attorney spiel before you get there.
1st he may not take case if you did not go to hospital immediately--but had you,whether injured or not your chance of getting some cheese would have been good.
After getting hospital report attorney would have "suggested" Dr for you to see. He would then start negotiations with insurer through several standard letters with "your injuries" in fill in the blanks manner. If you really had only minor injuries he would probably settle after about 3rd letter at price from ($12,000 to $15,000 in ky) that insurer figures it is cheaper to settle than go to court. Attorney will keep bout half--you will receive bout $5,000. You will gloat--easy money--then what goes around comes around comes into play. About year later you will hit small jack pot at casino and celebrate accordingly with a few drinks--on leaving casinio you will trip on curb and really injure your back. Cost will exceed way over $5,000 and you will have lifetime of pain to think if any truth to addage--"what goes around comes around"
Steve Di said:
I rent cars all the time and my credit card is the one who provides that "extra" insurance I would check into that.
Sir:
I am a lawyer so perhaps i can help you.
a. You do NOT have to pay for your medical care out of pocket. You can get treatment through a doctor who will treat you on a lien. This means that a doctor will take care of you (e.g. giving you massages, electrostimulation, physical therapy) to heal your pain. He will give you a bill for the work. After your claim is settled with the insurance company of the other driver, the doctor then gets paid. If you recover nothing, the doctor gets nothing. Addiitonally, the doctor will take 50% on the dollar that he charges you. That will be additional money in your pocket.
b. You will win this case guaranteed. Rear-enders are guaranteed winners since there is no excuse for ramming someone from behind. Even if someone rear-ended the car that caused it to hit your vehicle (in that situation, had the person behind you not stopped or been following so closely, the rear-end collision would not have happened). Therefore, the insurance WILL pay you for your injuries; it's just a question of how much.
c. You should get a lawyer to assist you since the lawyer's help will get you a larger net settlement and take care of your medical needs as set forth in (a) above.
d. It is not the end of the world that you did not go to the hospital on the day of the incident. Oftentimes the pain in these "soft tissue" cases manifest several days later.
e. You should immediately begin to treat your injuries and find out what is wrong with you.
f. The other side's auto insurance will automatically reimburse you for the medical bills it pays. Additionally, you can get your meds paid for by your own insurance; however, your insurance company will then have a lien for the amount it pays you. You DO have to pay back your insurane company, but not the other side's.
g. If you want me to represent you, I can get you cash so that you can play it during the bowl season :clap:
h. Leave me your email if you wish to discuss further. My fee is 33.3% before a lawsuit is filed; 40% thereafter.
:sadwave:
I am a lawyer so perhaps i can help you.
a. You do NOT have to pay for your medical care out of pocket. You can get treatment through a doctor who will treat you on a lien. This means that a doctor will take care of you (e.g. giving you massages, electrostimulation, physical therapy) to heal your pain. He will give you a bill for the work. After your claim is settled with the insurance company of the other driver, the doctor then gets paid. If you recover nothing, the doctor gets nothing. Addiitonally, the doctor will take 50% on the dollar that he charges you. That will be additional money in your pocket.
b. You will win this case guaranteed. Rear-enders are guaranteed winners since there is no excuse for ramming someone from behind. Even if someone rear-ended the car that caused it to hit your vehicle (in that situation, had the person behind you not stopped or been following so closely, the rear-end collision would not have happened). Therefore, the insurance WILL pay you for your injuries; it's just a question of how much.
c. You should get a lawyer to assist you since the lawyer's help will get you a larger net settlement and take care of your medical needs as set forth in (a) above.
d. It is not the end of the world that you did not go to the hospital on the day of the incident. Oftentimes the pain in these "soft tissue" cases manifest several days later.
e. You should immediately begin to treat your injuries and find out what is wrong with you.
f. The other side's auto insurance will automatically reimburse you for the medical bills it pays. Additionally, you can get your meds paid for by your own insurance; however, your insurance company will then have a lien for the amount it pays you. You DO have to pay back your insurane company, but not the other side's.
g. If you want me to represent you, I can get you cash so that you can play it during the bowl season :clap:
h. Leave me your email if you wish to discuss further. My fee is 33.3% before a lawsuit is filed; 40% thereafter.
:sadwave:
Not so fast counselor. I hope your post is in jest cause if it aint you gots all kinds of problems both ethically as well as legally.
First, do you know Nevada law? I'm not versed in it either Mr. Di, but I'm not so sure you would owe your doctor nothing if you didn't recover. The fact that you recoverd zero may extinguish the lien but not the underlying debt. Unless the doctor releases you in the event of a non-recovery.
Most docs who would do so are chiropractors who, around these parts anyway, hurt your case big time. I tell my clients your medical care is your medical care but going to a chiro will hurt your legal case. Based on your comment of "electrostimulation" it sounds like your referring to chiropractors. Bad news for your legal case and as an aside, in my opinion, bad news for your physical recovery.
I know of chiroprators in cahoots with pi lawyers (back of the yellow pages and late night tv types). Generally, these guys win and the patient/client losses. My two cents, stay clear of both chiropractors and lawyers who solicit your business. Thats means guys like you Identity.
Any lawyer who says "you will win this case guaranteed" is wrong and quite frankly, stupid. This guy says there is no excuse for ramming someone from behind. Wrong. In Ohio, anyway, there are several defenses to a rear ender, one being the failure of the cars brakelights, another being sudden emergency. I don't know Nevada law but you may find other defenses to a rearender.
In addition, the Identity guy is jumping to the conclusion that you were rammed. I've seen a lot of defense verdicts on rear enders on what we call "tappers", that is, zero or minimal property damage on your bumper and juries do not believe that the plaintiff was injured in the accident hence, a defense verdict. More often times than not, such cases involve a chiropractor.
I agree that injuries don't always manifest themselves immediatly and not seeking medical attention on the day of the accident is not fatal by anymeans. Please say your kidding about the offer to represent this guy. Please.
It's bad enough that I have to see billboards with an attorney standing next to a guy with a cervical collar on when I drive into work every day as well as late night tv ads indicating how many millions some scumbag ambulance chaser gets for his clients but, I don't want to see that shit here at my release/venting website.
Guys like you give Dogs That Bark more ammunition against lawyers. And frankly, I find your post at the very least distastefull and not designed to help this guy. Man, if you have to troll this site for clients, I do not envy your client list.
Eddie
First, do you know Nevada law? I'm not versed in it either Mr. Di, but I'm not so sure you would owe your doctor nothing if you didn't recover. The fact that you recoverd zero may extinguish the lien but not the underlying debt. Unless the doctor releases you in the event of a non-recovery.
Most docs who would do so are chiropractors who, around these parts anyway, hurt your case big time. I tell my clients your medical care is your medical care but going to a chiro will hurt your legal case. Based on your comment of "electrostimulation" it sounds like your referring to chiropractors. Bad news for your legal case and as an aside, in my opinion, bad news for your physical recovery.
I know of chiroprators in cahoots with pi lawyers (back of the yellow pages and late night tv types). Generally, these guys win and the patient/client losses. My two cents, stay clear of both chiropractors and lawyers who solicit your business. Thats means guys like you Identity.
Any lawyer who says "you will win this case guaranteed" is wrong and quite frankly, stupid. This guy says there is no excuse for ramming someone from behind. Wrong. In Ohio, anyway, there are several defenses to a rear ender, one being the failure of the cars brakelights, another being sudden emergency. I don't know Nevada law but you may find other defenses to a rearender.
In addition, the Identity guy is jumping to the conclusion that you were rammed. I've seen a lot of defense verdicts on rear enders on what we call "tappers", that is, zero or minimal property damage on your bumper and juries do not believe that the plaintiff was injured in the accident hence, a defense verdict. More often times than not, such cases involve a chiropractor.
I agree that injuries don't always manifest themselves immediatly and not seeking medical attention on the day of the accident is not fatal by anymeans. Please say your kidding about the offer to represent this guy. Please.
It's bad enough that I have to see billboards with an attorney standing next to a guy with a cervical collar on when I drive into work every day as well as late night tv ads indicating how many millions some scumbag ambulance chaser gets for his clients but, I don't want to see that shit here at my release/venting website.
Guys like you give Dogs That Bark more ammunition against lawyers. And frankly, I find your post at the very least distastefull and not designed to help this guy. Man, if you have to troll this site for clients, I do not envy your client list.
Eddie
STEVE DI LETS NOT BEAT AROUND THE BUSH IN THIS CASE I HAD ONE JUST LIKE IT AND GOT OVER 25 GRAND.FIRST THING YOU DO IS FIND A JEW LAWYER IN THE NEVADA AREA THE PLACE IS FLOODED WITH THEM AND THEN HE WILL WALK YOU THROUGH WHAT HAPPENED AS LONG AS THE OTHER GUY ADMITTED HE WAS AT FAULT YOU GOT IT MADE.THE NEXT THING YOU KNOW YOUR JEWISH LAWYER WILL HAVE THE ESTIMATED SPEED AT THE ACCIDENT SCENE 60MPH AND YOUR CAR WAS TOTALLED AND YOU ALMOST DIED.JUST LET THE JEW HANDLE THE CASE AND YOU WILL COLLECT SOME CASH.I WAS HIT BY SOME ALBANIAN EXCHANGE STUDENT WITH A BMW MY JEWISH LAWYER SANG YANKEE DOODLE DANDY WHEN I WALKED INTO HIS OFFICE WITH MY CASE JESUS CHRIST THE DOLLAR BILL SIGNS LIT UP ON HIS FACE WHEN I TOLD HIM THE GUY RAN A STOP SIGN AND ALMOST KILLED ME. :scared THE NEXT THING I KNEW I WAS IN AND OUT OF DOCTORS OFFICES FOR 6 MONTH'S JESUS CHRIST I FELT GREAT BUT THE DOCTORS KEPT TELLING ME TO SHUT UP KID YOUR HURT.
BOTTOM LINE KID FIND A JEWISH LAWYER AND LET HIM BE CREATIVE AS TO HOW YOU CAN GET SOME DOUGH.
BOTTOM LINE KID FIND A JEWISH LAWYER AND LET HIM BE CREATIVE AS TO HOW YOU CAN GET SOME DOUGH.
eddie - it is unfortunate that you have to be so patronizing when you don't know any of the facts.
this man did not say he was "tapped" and that there was no or very little damage done to his car. nor did he describe an emergency or a brake light failure. i think we should assume it was a standard rear-ender until he says otherwise.
as for chiros, you are wrong to flat out say they will hurt your case. c'mon guy; they are health care practitioners also. i've handled several cases in which i recovered all bills from the chiro plus for pain and suffering of course. it is only when you treat with them for 6 mos. on a small love tap that they frown upon the treatment with the chiro.
as for the doctor's lien issue, neither of us have seen the lien agreement. of course he would read that first before signing it. the docs i know do not bind you to anything at the conclusion of the case should you not prevail.
from the facts that we know now - rear ender, fairly immediate treatment, damage to the vehicle...this case is a guaranteed winner. the only question is how much....
finally, you are correct, my last statement that "i will represent you" was indeed in jest. though i am not licensed in nevada, i live in california and could appear pro hac vice in the case. and i could then have an excuse to go to vegas. i was actually curious to see this guy's reaction. guess he is no longer posting here.
:142lmao:
this man did not say he was "tapped" and that there was no or very little damage done to his car. nor did he describe an emergency or a brake light failure. i think we should assume it was a standard rear-ender until he says otherwise.
as for chiros, you are wrong to flat out say they will hurt your case. c'mon guy; they are health care practitioners also. i've handled several cases in which i recovered all bills from the chiro plus for pain and suffering of course. it is only when you treat with them for 6 mos. on a small love tap that they frown upon the treatment with the chiro.
as for the doctor's lien issue, neither of us have seen the lien agreement. of course he would read that first before signing it. the docs i know do not bind you to anything at the conclusion of the case should you not prevail.
from the facts that we know now - rear ender, fairly immediate treatment, damage to the vehicle...this case is a guaranteed winner. the only question is how much....
finally, you are correct, my last statement that "i will represent you" was indeed in jest. though i am not licensed in nevada, i live in california and could appear pro hac vice in the case. and i could then have an excuse to go to vegas. i was actually curious to see this guy's reaction. guess he is no longer posting here.
:142lmao:
JACK WHATS SO FUNNY THAT WAS A TRUE STORY I HAD CAT SCANS,MRI'S,ORTHROPEDIC DOCTORS,NOBODY COULD FIND ANYTHING EXCEPT MY LAWYER I WAS TOLD SHUT THE F-CK UP AND GO TO THE DOCTORS OFFICE YOU IDIOT.WELL I FOUND OUT AT THE END WHY I GOT 25 GRAND AND NOT A SCRATCH ON ME.BOYS YOU JUST CANT LOSE WHEN YOU HAVE A JEW LAWYER. I WENT TO SOME IRISH GUY FIRST AND HE TOLD ME TO GET OUT OF HIS OFFICE BEFORE HE CALLS THE COPS ON ME FOR FRAUD.WHAT THE F-CK THIS IS WHY ITS ALWAYS GOOD TO GET A 2ND OPINION
(I HAD A GRIN :grins: WHEN THE MONEY CAME IN)
JESUS SAVES,AND ESPOSITO SCORES ON THE REBOUND
(I HAD A GRIN :grins: WHEN THE MONEY CAME IN)
JESUS SAVES,AND ESPOSITO SCORES ON THE REBOUND
Just sent you a e-mail ,I have a real attorney out here, he was oscar's partner for along time one of the best out here and yes he is jewish, he is a great lidagator and deff attorney but will take you on med lien for a accident.
Also have a banquet servers job and they pay great if you can handle it, you need to call the house. Jerri can help you with the job.
Also have a banquet servers job and they pay great if you can handle it, you need to call the house. Jerri can help you with the job.
Steve
I'd go with Eddie on this one. If the case was really guaranteed as identity says....Don't you think it would be in a bigger font size
I'd go with Eddie on this one. If the case was really guaranteed as identity says....Don't you think it would be in a bigger font size
trolln4walii said:Steve
I'd go with Eddie on this one. If the case was really guaranteed as identity says....Don't you think it would be in a bigger font size
:142lmao: :142lmao: :142lmao:
I had a similiar accident that last year that did in fact total my older BMW.
The "guaranteed settlement" mentioned earlier is just that, GUARANTEED. When you're struck from behind, you'll be covered.....to what extent remains to be seen....depending on medical claims, damage, etc.
If I were you, I would answer Fletchers email. He knows the city and can steer you in the right direction. He also has work for you....Geez, how much easier can it get?
I hope you're not seriously injured, back problems can take awhile to manifest....Good Luck
The "guaranteed settlement" mentioned earlier is just that, GUARANTEED. When you're struck from behind, you'll be covered.....to what extent remains to be seen....depending on medical claims, damage, etc.
If I were you, I would answer Fletchers email. He knows the city and can steer you in the right direction. He also has work for you....Geez, how much easier can it get?
I hope you're not seriously injured, back problems can take awhile to manifest....Good Luck
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Stevi Di,
You are a worthless piece of shit if you are not hurt and are prentending to be hurt. This costs all of the honest paying citizens more money in insurance.
If you truly are hurt, this guy owes you the money to get well.
Don't be a pussy.
homedog.
You are a worthless piece of shit if you are not hurt and are prentending to be hurt. This costs all of the honest paying citizens more money in insurance.
If you truly are hurt, this guy owes you the money to get well.
Don't be a pussy.
homedog.
