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Subject:
Insurance payment for Whiplash
Category: Miscellaneous Asked by: phil43-ga List Price: $10.00 |
Posted:
09 Mar 2003 11:14 PST
Expires: 08 Apr 2003 12:14 PDT Question ID: 173860 |
I live in RI. I was rear ended and suffered property damage and a whiplash in an auto accident. The other guy's insurance company has accepted full liability for medical payments, repair of my car, and for "pain and suffering" So far they have been very cooperative. However, when the time comes to negotiate a settlement for pain and suffering, I do not have a clue as to how much to ask. Do they have a table they consult? a formula they use? Where can I get a copy? The insurance company is Progressive. I am not using an attorney because I do not think they can earn their 1/3 as long as I do a little homework. Thanks for your help. Phil43 |
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There is no answer at this time. |
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Subject:
Re: Insurance payment for Whiplash
From: ericynot-ga on 10 Mar 2003 14:13 PST |
Hi phil43, I was not able to find the guidelines you're seeking and don't think they're going to be available on the Internet. I did find this site which has some good negotiating advice: http://tx.essortment.com/bodilyinjurycl_rfsb.htm You might want to contact a good personal injury attorney before deciding how to proceed, keeping in mind that you are a rookie negotiating with seasoned insurance company professionals. The attorney may just be worth the 1/3 fee. Best of luck, ericynot-ga |
Subject:
Re: Insurance payment for Whiplash
From: pocoloco-ga on 10 Mar 2003 17:43 PST |
Hi phil43, You might take a look at the following article: Negotiating a bodily injury claim http://tx.essortment.com/bodilyinjurycl_rfsb.htm The approach seems reasonable and objective. In addition, I suggest that you look at a series of articles that were written by Dan Baldyga for About.coms Auto Repair site. Start with this one, The Insurance Corner, and then read the articles shown in the box to the right: http://autorepair.about.com/library/insurance/aa-dan-04.htm His approach is a little more cynical than the first author. It is also very detail-oriented and he has a lot of practical tips and advice. I see that he has also written a book which "will help you to calculate the value of your personal injury so as to determine how much your pain and suffering is worth." You can read more about that book here: http://www.autoaccidentclaims.com/aboutbook.asp Good luck! pocoloco Search strategy: negotiating a bodily injury claim negotiating a pain and suffering claim negotiating an auto accident claim Search engine: Google |
Subject:
Re: Insurance payment for Whiplash
From: pocoloco-ga on 10 Mar 2003 17:44 PST |
Hi phil43, The article that ericynot-ga suggests is an excellent article - reasonable and objective. In addition, I suggest that you look at a series of articles that were written by Dan Baldyga for About.coms Auto Repair site. Start with this one, The Insurance Corner, and then read the articles shown in the box to the right: http://autorepair.about.com/library/insurance/aa-dan-04.htm His approach is a little more cynical than the first author. It is also very detail-oriented and he has a lot of practical tips and advice. I see that he has also written a book which "will help you to calculate the value of your personal injury so as to determine how much your pain and suffering is worth." You can read more about that book here: http://www.autoaccidentclaims.com/aboutbook.asp Good luck! pocoloco Search strategy: negotiating a bodily injury claim negotiating a pain and suffering claim negotiating an auto accident claim Search engine: Google |
Subject:
Re: Insurance payment for Whiplash
From: cynthia-ga on 11 Mar 2003 13:56 PST |
I have received a settlement for an accident that included pain and suffering. The standard formula is usually 3 times the dollar amount (in addition to) of the medical bills. My medical bills were $1,200, and the pain and suffering portion was $3,600 for a total of $4,800. My attorney took 30% ($1,440) of the total. So here is the breakdown: Total $4,800 Attorney $1,440 Medical $1,200 Net to me: $2,160 It may work differently in R.I. --Cynthia |
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