Thursday, January 19, 2006

Well slap me silly and call me Sally!

I don't like being a meany-pants. But this was getting out of hand. I faxed some forms off to my insurance adjuster in December, and I haven't heard from him since. I've been paying privately for my chiropractic treatments and my chiro office has been trying to get hold of the adjuster, and so have I. My messages have now turned into, "Hello, this is Hillary calling regarding claim number blah blah blah. This is now the third/fourth/fifth/etc time I have called. I would appreciate a phone call back as soon as possible."

Well he FINALLY called me back tonight. Turns out he never got my forms (which still doesn't explain why he hasn't called me back for three weeks, but hey). We got everything set up for my chiro office to bill the insurance company, and for me to be reimbursed.

As an afterthought, I asked him if they had determined liability from the accident yet. It is a sticky one, cause I was turning left, so the onus is on me to prove that the guy who hit me ran the red. I had a witness, who has not returned one single phone call (from me, a lawyer friend, the insurance company... anyone). He's a dud. So basically, even though the other guy was in the wrong, the fault would end up being mine, meaning increased insurance rates, etc etc etc. Suckity suck suck suck. Plus, when they paid me out for my totalled car, they held my $300 deductible, only to pay it to me if it was found to be the other guy's fault.

Well.

At the intersection, the guy insisted it was a yellow light he went through. Last month when I checked on the process, his statement with the insurance company was still that he went through the yellow light. So today when I checked, I was hoping for maybe a 50/50 fault decision, but knowing that I really shouldn't get my hopes up. Imagine my shock when the adjuster told me that the other driver had accepted full fault!!! WOOHOOO!!!!! That means my insurance won't go up. That means my adjuster is gonna cut me a cheque for $300 (a fact I forgot about till he brought it up). That ALSO means I'm eligible for "pain and suffering" money from the insurance company. I'll have to see what's reasonable and go from there.

But WOOHOO!!!!!! There's a MAJOR prayer answered, and a HUGE weight off my shoulders!

Yippee Skippy!!!

5 comments:

Trudy said...

Ok Hillary, I'm un-lurking myself! and hooray, hooray, hooray about the insurance!!

Davey Jones said...

yay for accepting full responsability!
yay for getting money back!
Yay for answers to prayers!

happyandblue2 said...

Woohoo. I wonder why the guy accepted blame now and not when he hit you..

AfricaBleu said...

Way to go, Sally! (slap)

Hillary said...

Trudy - yay for unlurking

DaveyJones - yay!

H&B - who CARES! I'm jsut glad he did now! (though yes, he could have spared me two months of agonizing over the outcome!)

africbleu - hee hee hee hee hee!!!! That made me giggle!