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Auto Insurance Claims/How do I go about filing a claim if I originally thought I didn't need to?

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Expert: - 9/1/2010


Question

leg
As my best friend was backing out of her driveway, she did not see me and the back of her car hit me. I was pinned between her back bumper and the front of my car. I work at a doctors off where I had multiple X-rays and ultrasounds to ensure everything was okay. It has now been 75 days and I am still having trouble. I have scheduled an Ortho appointment. Now I am wondering if we need to contact her insurance carrier. I didn't know if it had been too long since I though I would heal fine. Any advice is appreciated. Thanks  

Answer
Hi Ashley,

You should just call her insurance comapny to report the claim. They will try to give you a hard time for waiting, but just tell them what you told me, that you should it would be ok. If they goive you a very hard time, send them a copy of the photo you sent me and ask them if you need to get an attorney. The photo is the ultimate proof that you have obvoious bruising that required treatment. You should total up all of your medical bills once your treatment is finished and then ask for 3 times those medical bills plus any lost wages as settlement for your case. Again, if they don't treat you fairly, seek the advice of an attorney.

I hope this helps
Richard Hixenbaugh
    Questioner's Rating
    Rating(1-10)Knowledgeability = 10Clarity of Response = 10Politeness = 10
    CommentVery helpful and fast response! thanks so much


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Richard Hixenbaugh

Expertise

Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience

I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Organizations
Society of Certified Auto Appraisers

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present Clients
My company has done work for consumers nationwide.

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