I will explain the settlement process and try to break down the pros/cons of your injuries
I will start with vehicle damages. I HOPE you bought either (collision) or UMPD (uninsured properly damages) on your policy, and if so, then your insurance pays to fix your vehicle (minus) your deductible. They would also...
Best answer: I will explain the settlement process and try to break down the pros/cons of your injuries
I will start with vehicle damages. I HOPE you bought either (collision) or UMPD (uninsured properly damages) on your policy, and if so, then your insurance pays to fix your vehicle (minus) your deductible. They would also reimburse you for your tow bill. Now if, you purchased rental, they will pay for the (daily/max) that you purchased on your policy. NO insurance pays for gas in a rental.
But, if you did (not) purchase collision, UMPD or rental coverage, then you get (zero) for your car and rental and tow bill and would have to sue the other driver for the costs and since no insurance, then most likely will end up with zip (nothing), since most likely has no assets to collect. Courts awards judgments, but they don’t collect for you.
So now we go to what is covered under BI (bodily injury) or in your case UMBI (uninsured bodily injury) settlement is “reimbursement” of your medical bills which includes what insurance paid (plus) your out of pocket expenses, “any” lost wages (documented) by a doctor unable to work, then adds paid and suffering.
Insurance most likely will consider your mileage, back pillow, medication, co-pays and you’re out of pocket costs.
Unless, you was bedridden and unable to get out of bed, the Cleaning/laundry/cooking services, forget it, they will throw it out. Which brings me to the next in question is the PTSD, which is the reason I am guessing for claiming the above?
PTSD is extremely rare in an auto accident. Granted you sought treatment with group and mental health therapy, but in all of the years settling injury claims, NEVER paid for PTSD. It does not appear you suffered a traumatic injury, like loss of limb, burning scarring etc. Yes, a doctor could state based on your behavior after the accident, you “fall” under PTSD, but the insurance will have their own medical experts that will claim does not meet the “criteria.
You had “reasonable” treatment in that you went to urgent care and seen by your PCP which most likely referred you to whoever treated you. Physical therapy was that by a chiropractor (worth less) or by a real physical therapist which is exercises (worth more)?
Prior to settling with you, the adjuster will have you submit all of your medical bills/receipts, and then they will get the medical reports from all of the doctors that treated you. Even though you list the injuries you sustained, “appears” that you will not need surgery, nor have a permanent or partial impairment of a limb and guessing did not see a specialist (orthopedist).
If you hire a lawyer, then the lawyer gets 33% of your (gross) settlement which is reimbursement of all medical bills paid by your insurance and you’re out of pocket costs, any lost wages and then adds pain and suffering. So what you get is the (net) left over, or in other words, think about your paycheck with your gross pay and net pay after taxes deducted.
In about 75% of all cases, to hire a lawyer is useless and you usually will end up with less. You hire if insurance disputes fault or your injuries, which in your case they will dispute the PTSD. But even with a lawyer they will most likely dispute it, so at that point then the lawyer might have to file suit. Once a lawyer files suit, then the fees are 40% of your settlement, (minus) expenses which might include hiring an expert on PTSD. Most experts charge on average of $500 per hour, which adds up.
So, (if) your insurance offers the max $30,000 that you bought, and then subtract either 33% or 40%, medical bills/expenses/experts, etc, what number do you come up with? But that is (if) they offer the limits, but could offer way less, even (if) they do include the PTSD.
My suggestion is to see what insurance offers you 1st. When they make that offer then ask them (how) they break it down. They should say (XX) for your medical bills, XX for wages and then XX for your pain and suffering.
So if they don’t include the PTSD, that means that insurance does not get reimbursed for the therapy/treatment also.
Then if you don’t agree, then make an appointment with a lawyer for legal advice and REMEMBER the number they offered you, since (unless) the lawyer can get insurance to add in the PTSD costs, then you end up with less, since no matter what, once you sign a contract with the lawyer, they will take their cut 1st, regardless if you end up with more/less.
Sorry, but guessing you will have an uphill battle, just want to prepare you for “what might happen”.