Advice needed

[Billy n NC]

Hello J2 friends.

I posted a prayer request for my daughter over the weekend. She was involved in an accident on Friday AM.

A lady ran a redlight (claimed she could not tell it was red due to bright sun shining in eyes. Slow down duhh) and hit my daughters car in the left front side. My daughter was trapped in the car because she could not open the door .

The ladies insurance (Nationwide) has provided a rental car. This car that the lady hit is my daughters only car (family of 5). It was a late model Malibu. The car is totaled.

Here are some issues. My daughter has no health insurance. She went to Ortho Dr today. She is still hurting quite a bit.

If they total the car and I am fairly sure they will. How much should they pay. My daughter admits they owe more than its worth (and they did not purchase GAP insurance)

And if Nationwide decides to pay off the loan completely. That will still leave my daughter without a car to drive. and no down payment for another.

At what point should she consult with a lawyer??
They left a message on her phone today something about
Power of Attorney???? Why..

And once they settle she will have 3 days loaner rental..

Just a Dad wondering how to best advice his daughter.

here is the car again.

[dolfan]

Billy, tell her NOT to talk with their adjusters or lawyers before consulting a local attorney who does personal injury work. Tell her not to say a single word to them. Her own insurance wouldn't matter much anyway; most full coverage policies only have $5,000 in medical payments coverage. The property damage claim will be worth basically what the value of the car was at the time of the wreck, if it is totalled. But, her actual medicals will provide a base from which to multiply by a factor of roughly 3 to see where she is looking at in terms of total settlement on the bodily injury claim. Of course, an attorney is going to get about half of that.

But, if she talks to an adjuster now, she jeopardizes very much in the way of settlement. She needs a lawyer pronto.

[scooter]

Tell her to get a lawyer now. They can issue letters of protection to the ortho and chiro so that they get paid later and she can get treated now.

[PastorDaniel]

Yes...Yes...and Yes...Lawyer...NOW! Not later.

[Billy n NC]

My daughter went to a lawyer on Wed. Did not think she had a case Agreed she was getting raw deal but because her medical bills are not ongoing etc did not want to take the case. .

Insurance has offered her $9600 for the car. She still owes an additional $3500 for the car. Yes it was one of those zero down deals being offered about 16-18 months ago.

Daughter has been on unemployment for about a year It just ran out last month.

Now no car, no job (which nobody will finance a car without these days). she is so frustrated and on top of that the insurance company has pulled the rental loaner..

PS the reason she did not go to more dr's etc no insurance for medical...

the only suggestion I have been able to come up with is to take the lady that hit her to Small Claims court but even that is a shot in the dark.

Please be in prayer for her and my son-n-law. This is very stressfull on both. Mary & Mike

[Ilovebigcats]

Call around. There is an attorney out there that will handle the case.


Does the police report show who is at fault?