If you go back a bit in my blogs you can find a few that were written about my car accident in August of this year. I believed myself to be fortunate that I was able to walk away from it, and deeply sad and angry that a car that would have been paid off this month with very low mileage was totaled, due to someone else's inattention at the wheel. She was on her phone and ran a red light. I was completely not at fault for the loss.
Our insurance company (we both had the same carrier) paid for the loss of my car, but it is going to still cost me $250 a month for the next 4 1/2 years that I would not have been paying. I was really counting on being able to have some breathing room, and now..so not going to happen. I went to the emergency room following the accident with neck pain and pain in my arms. I chalked it up to whiplash and thought nothing more about it. When I drove my new vehicle home for the first time both my arms went numb on me, again I thought temporary issue. However now, whenever I drive for longer than 30 minutes I get pain in my left arm that cannot be shaken away. I also have some sort of problem with my left thumb, it's been swollen for months.
Sounds like I should see a doctor right? Well this chick has medical bills up the tail due to another sad circumstance in September following the accident, namely Salmonella, which had me hospitalized for 4 days, and sick for a total of 10 days. My health insurance? Please, don't make me go there. I really miss the medical coverage from my past, because today's seem to pay for very little. And so..I owe...again.
Well back to the auto accident. There is something called "Pain and Suffering" which keeps ambulance chasing attorneys flush with cash. I will not retain an attorney, no can do. In order to receive said payment from the auto carrier they required me to see another doctor. With the hospitalization so closely following the accident, and me having to see my own doctor at $40 a visit for follow up, I was fed up with doctors and medical bills, so I cancelled my appointment with the Neurologist, rescheduled, and then they cancelled on me.
I am at a loss as to what I should ask for. If after jumping through the doctor hoop will the insurance carrier just send me the time missed from work? If that happens I will flip my lid and have a crazy woman fit, because here will come another doctor's bill on my already burdened budget.
I know what I should do..but I also know that bills will follow. The auto carrier, of course, has not given any hint to what they would be offering, or what pay off I should ask for. Since we both have the same carrier I cannot ask my adjuster what would be fair..(I've been given some wild advice by people I work with, most I would not feel comfortable asking for.) I feel that whatever I might ask would be shared with the other claims adjuster. If I do as they are asking and get bad news you can bet I will be shopping for another insurance company and a strait jacket. Oh, and maybe some Valium to keep my lid on top of my head.
k
PS: I really miss having a thumb that does not hurt,.
Our insurance company (we both had the same carrier) paid for the loss of my car, but it is going to still cost me $250 a month for the next 4 1/2 years that I would not have been paying. I was really counting on being able to have some breathing room, and now..so not going to happen. I went to the emergency room following the accident with neck pain and pain in my arms. I chalked it up to whiplash and thought nothing more about it. When I drove my new vehicle home for the first time both my arms went numb on me, again I thought temporary issue. However now, whenever I drive for longer than 30 minutes I get pain in my left arm that cannot be shaken away. I also have some sort of problem with my left thumb, it's been swollen for months.
Sounds like I should see a doctor right? Well this chick has medical bills up the tail due to another sad circumstance in September following the accident, namely Salmonella, which had me hospitalized for 4 days, and sick for a total of 10 days. My health insurance? Please, don't make me go there. I really miss the medical coverage from my past, because today's seem to pay for very little. And so..I owe...again.
Well back to the auto accident. There is something called "Pain and Suffering" which keeps ambulance chasing attorneys flush with cash. I will not retain an attorney, no can do. In order to receive said payment from the auto carrier they required me to see another doctor. With the hospitalization so closely following the accident, and me having to see my own doctor at $40 a visit for follow up, I was fed up with doctors and medical bills, so I cancelled my appointment with the Neurologist, rescheduled, and then they cancelled on me.
I am at a loss as to what I should ask for. If after jumping through the doctor hoop will the insurance carrier just send me the time missed from work? If that happens I will flip my lid and have a crazy woman fit, because here will come another doctor's bill on my already burdened budget.
I know what I should do..but I also know that bills will follow. The auto carrier, of course, has not given any hint to what they would be offering, or what pay off I should ask for. Since we both have the same carrier I cannot ask my adjuster what would be fair..(I've been given some wild advice by people I work with, most I would not feel comfortable asking for.) I feel that whatever I might ask would be shared with the other claims adjuster. If I do as they are asking and get bad news you can bet I will be shopping for another insurance company and a strait jacket. Oh, and maybe some Valium to keep my lid on top of my head.
k
PS: I really miss having a thumb that does not hurt,.
1 comment:
You know that you need to follow up with the neurologist. You need to find out what is going on causing your arms to become numb and giving you the problem with your thumb.
Maybe (in my pitiful Arnold Schwarzenegger voice) it is a tumor! I know it isn't but I wanted to lighten the moment.
Love, Mel
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