if it were you in her shoes..should she sue the crap out of you,because you totaled her car,and slightly inconvienienced her?
do what you can to carpool,get rides,take a bus,take a cab.most insurance companies will give you a rental for awhile,free of charge.
if not,rent 1,and submit the bill to your insurance company,and they will also recover this fee.notify them first though.it may need to be in writing.
As far as getting to school or work, if it was her fault then her insurance should provide you with a rental until your car is replaced.
Tell them again there will be no statement.. They will likely ask you if youâ ™ve retained an attorney then, tell them No you have not , that you feel that this matter could be resolved without involving attorneys.
This should please them and will save you money in fees later on at settlementâ ¦
Now comes treatment for your injuriesâ ¦ Even though you may not feel much more than a headache or what appears to be other relatively minor ache and pain I urge you to seek out a chiropractor who will assess your condition and advise you as to what course of treatment he prescribes for your condition..
It is possible that you have need for treatment prior to the accident but the accident brought your problem to the forefront with the impact, meaning your headache and or other painsâ ¦
Start treatment with your Chiropractor and depending on your condition might need to be treated 3 days a week for a several weeks then 2 times a week for a several weeks then once a week until he releases you from immediate treatmentâ ¦
This is where the negotiation for settlement comes into playâ ¦ Once you have a total medical bill to work with you now have a basis for negotiationâ ¦
Even though your PIP insurance pays for your medical, you still use the total medical bill for negotiationsâ ¦
You should typically end up settling for 2 to 2.5 times your total medical bills for your pain and suffering.
Donâ ™t accept the measly amount they will try to offer you at first, tell them you were hoping to resolve this without attorneys, and that you will need a more reasonable offer, they will likely increase the offer immediately but only by 500 or 1000 bucksâ ¦.decline again and they will likely tell you they have to talk it over with someoneâ ¦
Tell them (example I have 3000 in medical bills) so your offer is going to have to be reasonable compensation for that amountâ ¦they know whatâ ™s protocol, they are just doing their job by trying to give as little as possible..
When you finally arrive at a mutual settlement amount, have them mail you all the paperworkâ ¦and when you receive this, take it to your bank to have your signiture notarized and send the paperwork back to them and a check for the agreed upon amount will follow in about 10 daysâ ¦ They usually expedite the check to you as they donâ ™t want you to change your mindâ ¦
This of course will save you 33-40% in attorney fees, and unless you have a complicated major injury case, youâ ™ll do just as well as an attorneyâ ¦ weâ ™re led to believe weâ ™re not capable of settling these issues ourselvesâ ¦that is just nonsenseâ ¦
Good Luck and I have applied these techniques about 6 times and Iâ ™ve always gotten nice settlements of between 5-10 grandâ ¦
Good Luckâ ¦
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