This is in California.
I was in a car accident just over a year ago. A lady ran a red light and hit me as I entered the intersection and then went on to collide with a second car. Because both myself and the other driver that was hit by the lady have stated to the insurance companies that we had a green light and the lady ran a red light, it was a pretty open and closed case. Her insurance company, GEICO, accepted full responsibility on her part and subsequently paid for repairs to my car and for a rental car while it was in the shop.
As a result from the accident, I sustained a neck sprain, neasua, heachaches, just a lot of neck/shoulder pain. I went to a walk-in clinic at Kaiser (my medical provider), and they took some x-rays and a doctor diagnosed it as a sprained neck. Subsequently, I went to a chiropractor as I had a lot of ongoing pain, which generally improved after about 3-4 months of visits (twice a week). At that point I was plateaued in my improvement, so the chiropracter and that he couldn't keep billing my insurance for the treatments. I still go as much as I can afford to go, but it's on my own dime now.
I never retained a lawyer for this case. Now Geico would like to settle the medical claims and have me sign a release. They've offered to pay all the chiropracter charges + $1k for the Kaiser expense + $2k for my pain/suffering/time.
One question I have is that Kaiser still has not reported to Geico or myself what the total of the doctor visit or x-rays has cost, so I'm not sure how much is reimbursable to them. Geico says the $1k should be sufficient to cover this, but how do I know that? Any thoughts on this?
And on the $2k to be kept by me, is this sufficient? What is typical? My instinct says to never accept the first offer and to counter with something else. But I am also not greedy nor do I want to "abuse the system". But I am continuing to seek treatment, and $2k won't go a long way.
Any suggestions for an amount I should target on the settlement, or thoughts on negotiations?
All help/input is appreciated. Thanks!