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1 freetoken  Sat, Apr 16, 2011 2:35:20am

Go for the money.

Or not.

2 Randall Gross  Sat, Apr 16, 2011 5:35:57am

Make a reasonable list of what it will take to compensate you for the accident, keep it simple but specific. Give it to the adjustor, tell them this is what you need, that you aren't negotiating, however if they want to negotiate then you will have to get a lawyer. Tell them you would prefer not to do that.
They will want you to sign a release, make sure they understand that you won't sign until 100 percent of the list is fulfilled. Also make sure they know that you want replacement cost on everything, not what a used X sells for on Craig's list. (this won't work if you were talking about replacing a cars but it might for your clothes and bicycle.)
Make sure to get thoroughly checked out, get a second opinion and make them pay for it. (they will have a doctor they want to send you to, see your doctor as well.)

3 BishopX  Sat, Apr 16, 2011 9:33:43am

First off, I'm glad your okay. That's the important bit.

In terms of the insurance, document, document, document. Get notes from your boss, your doctor and your mechanic, getting all the documentation you can from the police probably couldn't hurt either. The insurance company is less likely to fool around when you have written documentation from 3rd parties for all of your claims.

4 Bob Levin  Sun, Apr 17, 2011 1:04:24am

Get a lawyer, or else you'll be spending every moment of every day on the phone waiting for someone to transfer your call to someone else who can't help you.

Your insurance company should not be paying, the other guy's insurance should be paying. That's what lawyers do. If you don't want to make this like a gold mine, then settle for something reasonable.

Experience talking here.

5 Dancing along the light of day  Sun, Apr 17, 2011 1:09:44am

Go see your OWN Doctor. And get a second opinion. And do NOT feel obligated to do everything the other persons insurance company wants you to do, they do not have your best interests at heart! Good luck, do what YOUR doctors tell you to do. DO NOT finalize the settlement, until your health has stabilized, it will take time. Shoulders can be tricky, do NOT be in a rush to settle!

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