Does my family have to file seperate claims for an accident or can we file as a family?
My family and I (husband & 3 kids) were in a car accident in August of 2006. I was the only one hurt in the collision and have had a hard time witth the driver-at-fault car insurance company.
Should I file a claim for all 5 of us or do we file seperate.
I am not trying to scam these people, but we lost a snake, suitcases, baby stroller, $7300 in damages to my truck (they only paid $5200 for damages, I had to pay for my rental car for almost $600. AND i lost out on almost $1700 in lost wages, plus they took the rental car before our truck was out of the shop so my kids couldn’t go to school and letter was sent to me informing me they were going to refer me to Social Services and Juevinile Probation!
It has been almost a year and then they told me to send them my medical records……I thought that was something they had to request and pay for?
I sent them a settlement demand letter today requesting they settle for $18,000 for all 5 of us…………Too much?
It’s 1 claim with 5 possible exposures but in reality only 2…1 for the injury and 1 for the property damage. If your husband and kids are not injured, there is NO CLAIM–what damages have they suffered that would allow them compensation under the law? Inconvience? Sorry, that’s not a compensable ‘damage’ nor does it meet he definition.
If your damages are $7300 how did they only pay $5200? Did you go thru your insurance company or theirs? If they really did send you a letter about turning you into CPS—WOW, but I have a hard time believing that.
As for your records unless you gave them a signed medical authorization YOU have to get everything and forward it.
$18,000….without knowing what your injury is, can’t tell ya.
One claim for the accident should cover all the aspects of it. I have no idea if $18,000 is too much or not. What does your agent at your insurance company suggest is fair? He would be your best source for information since he has the case file in front of him and we don’t.
References :
It’s one accident – but three claims. One under your auto policy, one under your homeowners (or renters) policy, and an attempted claim under their auto policy.
That’s WAY too much settlment – as you haven’t listed any injuries or medical bills. Lost wages from WHAT injury? THOSE are the medical bills they want – and you SHOULD have something from your doctor. They can’t request them – due to privacy laws.
The snake isn’t covered anywhere. The stroller, well, I hope you kept it, it’s going to be hard to show damage. And they only have to pay the LESSER of the cost of repair, or actual cash value of the truck. So the $5200 might be enough, if it’s an older truck with really high milage.
The school thing is NOT relevant.
You need to sit down with your agent, and find out what you’re entitled to in YOUR STATE. IN some states, you aren’t entitled to ANYTHING.
References :
agent, 21+ years
It’s 1 claim with 5 possible exposures but in reality only 2…1 for the injury and 1 for the property damage. If your husband and kids are not injured, there is NO CLAIM–what damages have they suffered that would allow them compensation under the law? Inconvience? Sorry, that’s not a compensable ‘damage’ nor does it meet he definition.
If your damages are $7300 how did they only pay $5200? Did you go thru your insurance company or theirs? If they really did send you a letter about turning you into CPS—WOW, but I have a hard time believing that.
As for your records unless you gave them a signed medical authorization YOU have to get everything and forward it.
$18,000….without knowing what your injury is, can’t tell ya.
References :