friggin' motorist

[greenohawk69]

Wow.  Glad to hear you are ok. 

[TXGrillGuy]

Glad to hear you're alright, Man. Your gear served its purpose, proven by you posting her to update each of us. You'll be stylin' fresh gear again in no time.
Hang in there.

[calscrazy]

the only issues now a few days later are loud noises and photophobia. whenever i first walk into bright light my head starts pounding real bad and i have to stop and cover my eyes.

it has been a looooooooong time since i was in an accident. the ins for the guy who hit me says there is two claims. the first is the bike and personal property and the second is the medical. does this sound right? i called two different attorneys and neither called back so my guess is i am on my own.

[Cher]

Two claims on the same policy doesn't sound weird; there was probably a vehicle claims adjuster and an injury claims adjuster.  THere will different deductibles, etc for each claim but none of that is your problem - the guy how hit you will be working it out with his insurance company.

What would be weird is if the two claims were with separate insurance companies.  

[Duc L'Smart]

the only issues now a few days later are loud noises and photophobia. whenever i first walk into bright light my head starts pounding real bad and i have to stop and cover my eyes.

it has been a looooooooong time since i was in an accident. the ins for the guy who hit me says there is two claims. the first is the bike and personal property and the second is the medical. does this sound right? i called two different attorneys and neither called back so my guess is i am on my own.

Hope everything goes smoothly- speedy recovery

[TXGrillGuy]

Hope everything goes smoothly- speedy recovery

+1 

[Girlrider]

Heads up, literally. It was close to 6 months after my wreck when I had my first Vertigo attack. Come to find out, I had knocked a few tiny bones loose in my right ear canal and they had run the loopy de loop and embedded next to some very particularly pissed off nerves.  It was terrible.  I had Benign Positional Vertigo for a solid week and the whole world rocked n' rolled.  I had an MRI and other testing done to insure it was nothing major, but it really makes you sick to your stomach.  Since then, I've had two more minor attacks and have learned to be cautious when tilting my head back and sideways at the same time (ex: grocery store top shelves, light bulb replacement, etc.)

Net: If you are pursuing a Uninsured/Underinsured policy claim against the drivers or your policy - DO NOT settle for at least One Year.  Things pop up.  Also, the current ratio of payout is 2X the value of all your medical bills (full cost). If particularly damaging it may go to 3X those medical costs. This covers your medical bills and your pain and suffering.

Also, if another medical coverage is currently paying your bills (ex: you do a co-pay), then that company will 'subrogate' and attach your eventual payout from the motorcycle policy. However, they only subrogate at the actual paid benefit to provider, not the total billed amount that you use as baseline for total medical bills.

Hope that is all clear as mud.

Hugs,  Maria

[calscrazy]

got the "official" word today that my bike is a total loss. now i just have to wait on them to make me an offer so we can start negotiations on value.

i have a friend whose wife works for farmers and she said to keep the medical claim open as long as possible.

[TresGatos]

Good info here, 
You get well my friend!

[RED]

make the beast with two backsers!!! Don't need to be driving. Glad you're ok.

[Girlrider]

got the "official" word today that my bike is a total loss. now i just have to wait on them to make me an offer so we can start negotiations on value.

i have a friend whose wife works for farmers and she said to keep the medical claim open as long as possible.

Did you have any after market parts? Do you have receipts?  They will pay on pipes, etc., so go for those financials.  Also, I had them pay on the sales tax too.

Also, include helmet, jacket, boots, etc., they may ask for you to ship them to them, but they will pay up to I think $1,500 for personal gear.

So glad you are going to recover.  M

[calscrazy]

so they made their offer................$4800  . i returned with mine. along with it i put examples of what another 695 is going to cost me. all the reciepts from my accessories. he fed me some kinda b.s. about limited policy. that means they only have to pay whatever nada value is. i kindly explained to him that will not work. i was told by an attorney and an insurance adjuster to notify texas insurance commision if they continue their hard stance to have a full investigation launched. then get attorney.

[caffeinejunkee]

 

This is BS. You're not trying to sell them a bike! They need to fully replace what their client jacked up. "Attorney" and "investigation" should get their attention.

[TresGatos]

I got an attorney if you need a name let me know. 

[calscrazy]

This is BS. You're not trying to sell them a bike! They need to fully replace what their client jacked up. "Attorney" and "investigation" should get their attention.

Shameful but it doesnt work that wat cj. You can do it one of two ways. Like tres and get an attorney right away or like i am and wait to see if i need one. I did find out that by law you cannot profit off of a propety claim. Since i am handling the property claim i dony have to pay some fool who is only interested in his own pocketbook. On the medical claim i do have an attorney that they have been in contact with. They say that pain and suffering should be 20% off total medical bills but the attorney said to go see me docs and let him worry about the medical BS. The attorney and a friends wife are helping me through the property claim.