Accident Injury And Insurance Issues

Injury by drunk driver and Insurance issues

March 29th, 2010

hello anne, thank you for taking the time to provide us with your expertise in resolving these issues with the insurance industry. i was hit by a drunk driver who was 3X the state legal limit. the driver then fled the accident scene and fought with the arresting officer. The impact totalled my vehicle and I missed 5 months of work while enduring PT & steroid injections for 3 disc herniations and related injuries. i reside in a no-fault state and my own ins. co. paid a good bit of my medical costs. the total amount of medical costs is just over $25K, however my ins. co. paid “negotiated amounts” so there total was less than the actual total. when determining an amount for pain & suffering, do i use the actual medical bills, or the negotiated rates? do i include mileage & time spent travelling to doctor’s appts. when figuring the pain & suffering amount? do i include lost wages when figuring the pain & suffering amount? what considerations should i be aware of (as far as a settlement) regarding the negligence of the other driver? thank you again and i apologize for all of the questions.

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