My question involves an injury that occurred in the state of: NC
Around six months ago I was involved in a vehicle accident.I was mildly injured, but my motor scooter was totaled.
I was headed to a friends house during the night time, and a lady rear ended me from behind. I fell off my scooter, and suffered minor neck pain and road rash, but it went away. The lady got out of her car in haste asking me if I was ok. Even though I was somewhat injured, I was highly upset that the scooter I worked my a$$ off for had been damaged to the point the cops had to call a towing company to come pick it up.
Long story short, The cop told me to call the ladys insurance company and filed a report. I called the ladies insurance (USAA) and told them about the incident, and made a claim of it.
2 weeks later, the ladys insurance company called leaving a message saying " We were told there was something wrong with your lights, this is why our client couldnt see you. Please call back". I don't know how but the lady had her high beams on. I returned USAAs call to speak with someone in charge who had been out of office. I left a message, never got a response. My mom advised me to get an attorney, so I did.
The attorney advised me to go to a chiropractor, which I couldn't comply with due to my work schedule. Before we spoke she told me within a week of me signing the papers, she could get an immediate reimbursement of property and medical damages. I updated her on my situation, regarding my inability to go to the chiropractor and though she urged I go, she said it would be alright even if I didn't. I faxed over the papers, the medical bills I owe. She also said I would be reimbursed for the time I missed from work.
I called a week after everything was set up and she told me that she had sent out a letter of representation to USAA. After that, no other progress seemed to have been made, and every time i'd call, the attorney would either be busy, or away from her desk. I've sent her emails requesting updates, and left her 1 or two voice mails. She did not reply. Finally, one of her assistants got a hold of her and when I spoke to her, she said that my document was in the crux of supposedly " tons of other documents", and that she certainly would call me back before her shift ended, and if not, early the following day. No call.
Months pass, no call no nothin'. I'm at the point where I'm fed up, I have a thousand n some change bill from the emergency room and an X ray and physician bills I can not pay. I was told the ladys insurance company is legally responsible for paying for them, so I type up a letter, and send it to them. I get no response. I call them 2 weeks later and speak with the lady I spoke with the first time. She said " you have a lawyer representing you so legally i'm not supposed to talk to you".
This situation has affected me a great deal. My mom understands but she said " you shoulda went to the chiro",
I did not know that I have to " lie" about my injuries. I did suffer some deep road rash, and little neck pain, but ever since then I've been fine.
I used the scooter to get me to and from work, and for other important townly tasks. That's gone now. Now the debt collectors are calling me. I wrote the hospital telling them of my situation and they said to give them the USAA case number and they'll file a claim against them. I have done that.
Is there anything else I can do? O_o
Thanks so much for reading.