CAR ACCIDENT TEXAS

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.

In an Auto Accident claims settlement, are medical bills settled at the adjusted rate or the invoice bill?

My health insurance paid my bills in an auto insurnace. The other party’s auto insurance is ready to settle but is willing pay the ‘negotiated rate/adjusted rate’ that my health insurance paid for and not the invoiced rate.

Ex. The actual MRI was billed at $1700 but the negotiated rate my health insurance paid was $400

Secondly, they are paying only 80% of lost wage

They are saying that this legally true citing House Bill 4.

Is this true?

I was under the impression, that they need to pay the total medical expenses (not the negotiated rate) and the total lost wage (not the 80% crap) plus pain and suffering

Please help and guide me

Thanks!
Is it a law to pay 80% of lost wage?
How much would be an appropriate Pain and suffering offer, if the special damages (medical and lost pay) is $6200
Because I pay a premium to my health insurance , we get a discounted rate – would the other party pay more considering I pay a premium every month to get the discounted medical rate?
I live in Texas, is there any specific law for texas?

You can’t get paid double your medical bills.. thats called "double dipping"- if they have been partially paid for.. you will only get the amount that wasnt covered. Why should you get paid twice? how is that fair? You didnt win the lottery.. if you arent permenantly injured its the at fault parties responsibility to make sure you have no out of pockets.. which they are.

and likely in your state the at fault partie only pays 80% of lost wages.. thats varies by state.

Farming accident claims IOW man’s life

Farming Accident Claims IOW man’s life

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can you take someone to small claims court over a accident in michigan?

This accident happened on private property, the police would not right a report. I have plpd and she has full coverage. Her ins compnay will only pay me 500 dollars, I have a total of 1500 dollars in damage. Can I take her to small claims court to get the other 1000 dollars. I was told michigan is a no fault state, but im just not sure if I can take her to court???

Yes, take her to small claims.

How do I go to small claims court on an auto accident?

My husband was in an Auto Accident. Somebody ran a red light and hit him, but this guy didn’t have auto insurance. Our insurance company is telling us to go to small claims because we didn’t have "collision" on our insurance, but we are not sure what to do. There’s not a lawyer around where we live that does small claims.

Try getting an online insurance quote It’s free and generally hassle free. http://www.autoadvicetips.com/Auto-Insurance-Quote.html

Hope it works out

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What percent of auto accident claims are frivolous?

Very few. Insurance companies would have you believe that almost all of them are frivolous. Frivolous means, not justified or insignificant, not worthy of attention. If your insurance company won’t pay you $1000 is that frivolous? Frivolous does not mean someone asking too much, that’s being unreasonable. Check the dictionary.

I have 1 years no claims bonus and had an accident. Do I now say I have 0 years no claims?

I had 1 years no claims bonus and had an accident around 6 months into my second year. I had the accident and claimed and know I will not get any no claims this year. At renewal time do I actually still have my 1 years no claims and also state I have and accident? I’m not sure if I still keep my previous no claims of one year? Or do I now state I have 0 years no claims and had an accident?

Please help!

yes im afraid you will have lost your no claim bonus if it is a fault accident or claim.Unless you protect which you can only do on 5 years no claims. In theory you could have 4 years no claim bonus unprotected and lose them by just 1 fault accident.

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