My question involves an injury that occurred in the state of: Colorado. I was in a 100% no fault accident where I was rear ended at a complete stop. My SUV had over $3000 damage to the bumper, and the poor girl's small pickup had damage to her bumper as well as blown airbags. Within 15 minutes I had very clear stiffness and discomfort to my neck that continued for months to come. My two children 1 and 2 years old were also in the car, and I can suspect their little necks hurt quite a bit too if mine did. At any rate after I had completed chiropractic therapy over several months (as did my children) I attempted to settle with the other driver's insurance (Geico). Long story short they are miserable to deal with and apparently have the worst record in the industry for paying out personal injury claims. After arguing and arguing with them that they are responsible for my medical bills (especially since they were more than reasonable) they declined and were at least a $1000 short of paying my medical bills, in addition to a complete lack of a pain and suffering portion. At any rate, I happen to be a nurse anesthetist, and thus licensed in the acute and chronic pain and at one point my adjustor started to tell ME about soft tissue injuries and how they heal in 6-9 weeks, how there are no long lasting or chronic effects sustained after soft tissue/neck injuries, and how I should have been getting chiropractic therapy at least 3 times a week in the beginning and that was the normal course of care for soft tissue injuries. I called him out immediately on his unwarranted practice of medicine for the sole purpose of fudiciary benefit. He got very quiet and tried to change the subject.
So.... I am on this forum to hopefully get as many people as possible to discuss if Geico specifically has ever given them medical advice or medical guidance as to the care they are receiving or have received in an injury claim. Geico adjustors get cash bonuses for limiting the amounts they pay out on claims so I can see if they were trying to influence me to not pursue any further compensation from them because I apparently was not injured badly enough, then I am certain they are doing it to lots and lots of people out there.