Auto Insurance Claims/car accident

Advertisement


Question
I had a car turn in front of me and i t-boned the side of that vehicle. They were at fault. I had a closed fracture of the sternum and two ribs, collapsed and bruised lungs. I spent 3 days in icu at the hospital and my medical bills are $21,000.00. I was wondering what an acceptable settlement would be. This happened in West Virginia. Thank you.

Answer
Hi Donald,

Based on the brief information you provided, I would say your claim shouyld be for at least $60,000. However there are many other factors that need tobe taken into consideration, such as;

1) Are you now completelty recovered?
2) Is there any permanant disability rating?
3) Will there be any future treatment required?
4) Will there be any surgery required?
5) Did you miss any work as a result of the injury or treatments
6) Did you have to pay for any outside services such as house cleaning, yard work etc

It is very difficult to determine the full value of your claim without reviewing your entire file. This is why I recommend that with any serious injury, you should always hire an attorney. An attorney will take all of the above situations into consideration and will negotiate the best possible settlement for you. You should speak to an attorney as soona s possible.

I hope this helps
Richard Hixenbuagh

Auto Insurance Claims

All Answers


Answers by Expert:


Ask Experts

Volunteer


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.

©2016 About.com. All rights reserved.