Originally Posted by SCFirefighter
Be cautious about insurance companies, even your own. They are there to make money, not spend it on you.
Make sure you get compensation for a new vehicle (most likely) and get something in writing about medical checkups and coverage for follow-up visits.
Seriously, it may not be a bad idea to hire a lawyer. They're cheap since they work on commission paid for by the other party (or his parents). Normally I wouldn't advise this but since it involved possible damage to her spine you need to protect yourself.
The doctor said she had age related osteo issues
be aggravated by this, so thankfully no major damage in that area. but reason enough to string out any medical payment settlements. Now that she is ok, My concern is getting an 06 fixed and with parts on back order. who knows. If it was a Ford it would be totaled. But the 2010 Escape who hit her fared a little better. I am hoping they will total it. But I have no idea what a body shop will say.
There will be lost future value though because of the likely carfax records. We were thinking of trading it as well for another vehicle....dammmmmmmm.
I handled a case like this about 15 years ago myself and was satisfied with the settlement. All medical was paid, the car was properly valued and replaced and we received another $5000 for future consideration re medical.
I would only bring in a lawyer if I could not get what I felt was fair. State farm was not bad to deal with. His insurance is Geico. ...