Let's face it....Insurance companies did not become a billion dollar industry because they look after you, because the take care of you, because they do the right thing. They became a billion dollar industry because they have all these little clauses that are used when they say:
CLAIM DENIED.
Medical costs are through the roof. Insurance premiums are through the roof. Unemployment is through the roof. One car accident can destroy everything you have worked hard for.
Since I started writing about car accidents many people have shared their experiences with me. I want to share a story about one person's car accident:
A twenty-five year old girl, fresh out of college is heading to her first real job. She started a week ago in a field that she loves, an environment she loves and co-workers that she loves. She is going down the road (two lane highway) when two cars fly by her. She slows down so she is not hit. Whew, that was a close call. She comes up to an exit and she sees one of those cars signaling to take the exit.....BUT at the last minute the person changes their mind and swerves into her lane....hitting her passenger side. She swerves to miss it but it's too late. The impact of the car hitting her throws her into the other lane and she is hit head on by another car. She is flown, flight for life, to the nearest hospital, and things don't look good. She spends nine days in the ICU and another week in the hospital. Her diagnosis: paralysis from the neck down and mild brain damage. Her bright future in her new job....over. The person who caused the car accident....a few bumps and bruises. The person who hit her head on....collapsed lung (this person was a long distance runner). The person who caused the car accident had the state minimum for insurance 25,000/50,000 coverage. This means that all parties get $50,000 TOTAL for their injuries in this car accident. This girls ICU bill exceeded that! Her insurance company says, "don't worry your insurance will pick up the difference." Well, because she was fresh out of college and just starting her career she had the state minimums also. While fighting for her life her family was fighting the insurance companies.
It wasn't until the family decided to hire an Attorney did things start to happen. You see we all think of Attorneys as the bad guys. The "scum suckers" of the earth who are only out to make a buck at our expense. Here's the problem....who do you think are the insurance adjusters who make the final decision? They are usually Attorneys!!!
Yes, it is not cheap to hire an Attorney. Yes, they do charge fees for their services. BUT hiring the right Attorney is worth it! We don't mind paying for services like our hair being done, nails being done but the thought of hiring an Attorney....forget it.
Here's the happy ending that I promised this girl I would share: Her Attorney was able to get her the rehab she needed (you see her paralysis was temporary if the right rehab was used) and after a year she was able to walk again. Her mild brain damage....with therapy was under control and was able to start her career over three years after the accident.
So, how much do you think this was worth? Her words, "Every penny that the Attorney was paid for her representation and more."
Not every story has a happy ending...life just does not work that way. But if you want a fighting chance for the happy ending it is worth the good fight!!
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| Carol Zeisler, Attorney at Law Personal Injury Attorney |
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