The continuing story of the 1995 Dodge Intrepid
Well it has been three weeks now since Sharee Anderson smacked into the tail end of our 1995 Dodge Intrepid. Her insurance company called to say that they had declared the car a total loss. They offered to give us $2465 for the car and let us keep what is left of it.
The rear bumper is hanging low, the left brakelight does not work, the trunk is held down by several bungee cords, the gas tank is bent and now holds at least a gallon less than it used to, I do not know if I could get the spare tire out of its space (it is squished in there), and the car looks pitiful. But it runs fine, has fairly new tires, new brakes, a new water pump and other mechanical parts in good shape. It could use a set of McPherson struts (expensive shock absorbers) but they would cost $600 so we put up with it bouncing a little.
I guess I will put some money into getting it so it does not look so bad but it will never be the same.
Now the big problem is getting Valerie fixed up. The accident caused her back and neck pain. She has gone to the doctor who perscribed chiropractic and massage visits and a CT scan of her neck and back as well as some muscle relaxants and pain pills. We do not have any insurance on the car other than the liability required by law. Since we live in Indiana (by about 60 feet) our health insurance will not cover medical procedures resulting from an auto accident. They tell us to have our health providers bill the insurance company of the person causing the accident. We were able to cover the cost of the muscle pills but not the pain pills. We found a doctor who will wait for payment on his visits. Valerie knows the chiropractor so he is defering billing. We paid the massage therapist out of pocket. We cannot schedule the CT scan as we do not have the money to cover that one. Ms Anderson's insurance will not pre-authorize any payments, they basically tell us to sue them to get anything. But we do not have the bucks to cover everything. It is a bad idea to get hit by someone else if you are too poor to afford full insurance and live in Indiana.
So, for now, we are waiting for the insurance check to fix the car up and use some of it to cover the medical problems. Valerie sleeps poorly due to the pain. We drive around in a beat up looking car. Fun!
The rear bumper is hanging low, the left brakelight does not work, the trunk is held down by several bungee cords, the gas tank is bent and now holds at least a gallon less than it used to, I do not know if I could get the spare tire out of its space (it is squished in there), and the car looks pitiful. But it runs fine, has fairly new tires, new brakes, a new water pump and other mechanical parts in good shape. It could use a set of McPherson struts (expensive shock absorbers) but they would cost $600 so we put up with it bouncing a little.
I guess I will put some money into getting it so it does not look so bad but it will never be the same.
Now the big problem is getting Valerie fixed up. The accident caused her back and neck pain. She has gone to the doctor who perscribed chiropractic and massage visits and a CT scan of her neck and back as well as some muscle relaxants and pain pills. We do not have any insurance on the car other than the liability required by law. Since we live in Indiana (by about 60 feet) our health insurance will not cover medical procedures resulting from an auto accident. They tell us to have our health providers bill the insurance company of the person causing the accident. We were able to cover the cost of the muscle pills but not the pain pills. We found a doctor who will wait for payment on his visits. Valerie knows the chiropractor so he is defering billing. We paid the massage therapist out of pocket. We cannot schedule the CT scan as we do not have the money to cover that one. Ms Anderson's insurance will not pre-authorize any payments, they basically tell us to sue them to get anything. But we do not have the bucks to cover everything. It is a bad idea to get hit by someone else if you are too poor to afford full insurance and live in Indiana.
So, for now, we are waiting for the insurance check to fix the car up and use some of it to cover the medical problems. Valerie sleeps poorly due to the pain. We drive around in a beat up looking car. Fun!
3 Comments:
Dude did the accident happen in Indiana? If not Ill laws may apply. how about some lawyer who will represent you and only get paid if he recovers a judgement? Fl is full of such shisters.
Even though the accident happened in Illinois, my insurance applies to the health care issues. Even if we go to an Illinois hospital.
Yes a lawyer can represent us, they typically get one-third. But we still have to come up with the money in the first place for the doctor and hospital.
No Fun.
Even though the accident happened in Illinois, my insurance applies to the health care issues. Even if we go to an Illinois hospital.
Yes a lawyer can represent us, they typically get one-third. But we still have to come up with the money in the first place for the doctor and hospital.
No Fun.
Post a Comment
<< Home