Get an attorney.

+1,000

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Why ?

 

You are correct. I chose the extended maintenance warranty over gap insurance. I traded my 2009 MINI that had the gap insurance in for the 2013. I am upside down on the loan about 4k from the 09 MINI. I agree the starting quote they gave me is around the base model pricing, so after they figure in the options ($3200) I think its going to be really close. I have my fingers crossed!
They can recoup some of it, the collision center said its being towed from there on Monday to an auction place here in Vegas for parts.

Again, I soooo appreciate all this input!!

 

If your Allstate rep told you they hadn't even figured in your options yet, you are in good shape.

Good luck, hope it all works out for you.

I'm an Injury rep. If you have basic questions about that process, I'll try to help but I have never handled claims in Nevada. I've handled them in Maryland, Delaware, D.C., Colorado, and Utah. Most states have a lot in common with some slight variations.

 

Am I the whoever you are you are referring to? I hope not.

 

No... directed to the post directly above my two replies.

 

My neck and shoulders are jacked up. I sit all day at work and its been killing me. My burns are healing, bruises are fading but its my neck and shoulders that are not improving. I had a ct scan done at the hospital and it showed a neck sprain. I don't have a primary doctor and have **not** gone for a follow up. I know I need to but I can't find a primary doctor open after 6:00pm. What do I do??:

 

The neck and shoulder pain is typically the worst in days 2-4 after the accident. Then they will gradually get better and go away completely if they are simply soft tissue injuries (no disc issues in your cervical spine).

You don't have to go to a general practitioner (PCP). You can go straight to a physical therapist or Chiropractor. I recommend the former. If you have never used one in your area, ask around and get a recommendation for a good one.

Make sure USAA and Allstate explain your injury coverages. You likely have a coverage called Personal Injury Protection (PIP) or Medical Payments Coverage (MPC) with USAA which will pay your bills. Allstate owes you a Bodily Injury Liability claim which makes a one time payment directly to you when you are recovered and released from all treatment.

It can be just a little complicated for someone who has never had an injury claim but if USAA and Allstate reps are worth a pile of beans, they'll help you through it and make it easy for you.

 

Its been 11 days since the accident, I cant bend my head to my left shoulder (like holding the phone with your shoulder) at all or turn my head to the left more than a couple of inches. Both shoulders get shooting pains if I sit in front of a computer too long and that is what I do all day at work. My chest pains went away and the soreness around my ribs. My health insurance does not cover chiropractors, will the MPC cover that? And is that something Allstate will pay?
I appreciate you answering these questions for me. The Allstate injury rep is nice but when she asks how I feel and I tell her, she belittles everything like its normal for me to have burns and sharp pains. I just want to be back to how I was. Dammit. lol.

 

Given you had a big impact, I'm not surprised you are still having these kinds of pains 11 days later.

Yes, both the MPC with USAA and the BI claim with Allstate consider a Chiro as valid treatment for your kinds of injuries. I personally stay away from Chiropractors but it's your choice, of course.

And you won't use your health insurance unless you exhaust your MPC with USAA.

You're very welcome. It's unfortunate you're getting attitude from the Allstate rep. I could understand if you had a tap on the rear and your estimate was $500. I get tired of those kinds of people myself. But with your impact, that rep should be showing you empathy and genuine concern if she was a half-decent injury rep.

 

I've only been to a chiropractor once, I cried my eyes out and left lol. It hurt. I don't know what else will make it better. I don't want to dope on meds, I just want to feel normal and not feel so down in the dumps. Okay, I'm getting sappy now so I just want to thank you again. Your advice and insight are appreciated and I'm glad I can just ask an expert honest questions without worrying about anything. This whole situation just sucks. ***. And I hope the outcome has me driving another MINI and I can jiggle my head around to the beats lol.

I miss my car!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Michelle

 

Some states (like mine) allow you to elect a medical insurance as the primary coverage, in order to reduce your own premium costs.

Since I live in a no-fault state, I would get coverage from my own medical insurance first, and any costs not covered by them would be covered by my auto PIP policy.

 

Physical Therapy. Usually provides several modalities of treatment like massage, electrical stimulation, heat pads/ice packs, etc. Very useful for your type of injuries.

If they offer you a muscle relaxer, like Flexiril, take it. It really can help with your injuries. Just make sure you don't take it on an empty stomach, it can cause nausea if you do.

Really... it's no problem helping you. I've been helping people around here with insurance matters for a long time. I enjoy it !

 

You must enjoy it to give advice in your spare time!! I will look into physical therapy, I think that's a great suggestion. Thank you.

M

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If you have any questions about anything your Allstate or USAA reps tell you, just post in this thread, I'll keep an eye out. Or just PM me, if you prefer, Michelle.

Hope you feel better soon !

 

If nominal injuries are involved, the OP can work the personal injury and property damage claims by herself. CR&PW&JB is correct in that situation; provided, that medical professionals determine her injuries are minor, temporary, and without long term ramifications. It all depends upon the OP's diagnosis, treatment, and final prognosis by appropriate medical specialists.

If more serious injuries are involved, a consultation with a reputable law firm must be considered. I say again, a reputable law firm. Contrary to belief, not all lawyers are unethical. I am a lawyer with 28 years of civil and criminal litigation experience, including stints as a U.S. Army JAG, U.S. General Services Administration Litigation Attorney, and Special Assistant United States Attorney.

CR&PW&JB, you and I both know about nuisance claims and ambulance chasing law firms like the proverbial "Duey, Cheatem, and Howe, LLC". I have no professional respect for lawyers of this ilk, nor do you. The OP must assess her personal injury claim upon the sound advice of her doctors and act accordingly. Sitting here in my leather recliner, I cannot adjudge the OP's personal injury claim without further knowledge of the facts surrounding the incident, lost wages and income, the OP's physical condition, pain and suffering, medical diagnosis, treatment, and prognosis.

 

I'm so much more confident in my Mini's safety after seeing your photos and knowing you're overall ok.

 

Fair statement.

In some complex cases, I would also say that an attorney is warranted and worth the expense.

And yes, none of us on a message board can assess her claim. It's a complicated matter involving a lot of information none of us are privy to. That's why I only offer advise on how the claim process should work, never giving advise on how much value an injury claim has. I do enough evals at work, thanks very much.

 

Glad to put in my two cents. I wish the OP a speedy recovery and an excellent new MINI when all is said and done.

Thanks for the "fair statement" assessment, CR&PW&JB. I've worked both sides of the business - insurance defense and plaintiff's claims - and can honestly say I preferred insurance defense. We negotiated settlements where appropriate and tried cases as needed.

 

Interesting you've worked on both plaintiff and defense sides of injury cases, Dave. And I bet you're are a bit of a character because just about every defense counsel I've worked with on my claims has quite an entertaining and interesting person... I think it must come with the territory.

I bet if we ever met over a couple of beers, we could exchange some great stories about claims we've handled.

 

My little MINI did an amazing job keeping me safe. Drive safe!!

 

Don't forget about me! I have stories too maybe not insurance claim stories but good stories regardless!! LOL, just kidding.

 

Am I the OP? What does it stand for? I appreciate your two cents and well wishes.

MINI-less

 

OP = Original Poster in the thread = You.

How are you feeling today, Michelle ? Any better ?

 

Hahhaha, I was trying to fit OP into me as the driver. I learn something new everyday!
I'm about the same, not worse so that's good. My burns are itchy as hell so I know they are healing!