Join Date: Jan 2008
Location: Tuscarawas County, Ohio
Mentioned: 0 Post(s)
My health insurance company has paid out $209,000. The woman that hit me had state minimum insurance of $12,500. My attorney took this case under contingency for 1/3rd of any settlement. He negotiated a settlement from her insurance for a total $100,000. I already agreed that he is entitled to his share so that isn't the issue.
My health insurance does not begrudge his share either as he did the work, but from their perspective I'm not. I've got permanent damage to my left leg and right hand and wrist, and $22,000. in cost they will not cover.
The woman that hit me doesn't have a pot to pi$$ in. So the only money that can be squeezed out of this is the $100,000. My attorney made them an offer of $30,000 for them, $30,000 for him, and $40,000 for me. $40,000 will cover my $22,000 in cost and lost wages, but that is it. There will be nothing for the future cost I'm going to accumulate and I just started physical therapy and those cost have to come out of my pocket until I meet my deductible and co-pay.
My health insurance came back and in so many words, answered NO. Their view seems that this will give them 30% of their cost back and leave me 30% of my cost. My attorney has a problem with this as, I as his client would make less than him.
My problem is that they were not busted up and laying in the road with two shattered arms and wrist as well as a broken leg just below the knee, spend five days in intensive care, three surgeries, nor did they spend months of pain from July through a good part of November. I know insurance companies have ways to write some of their cost off. How do I write off the above?
I've been off work for going on seven months and still do not have a return to work date. If I fall, my arms are not strong enough, nor my left leg to help me get up. For them, its just a money thing, for me it is life altering. What ever the outcome, it requires my signature for the settlement, and it's not worth signing as there isn't anything in this to address my needs.
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