My question involves an injury that occurred in the state of: Georgia
We were rear-ended a couple of months ago in this year.
Though I do not contend that I FULLY understand the collateral source rule or uncoordinated benefits. It has been explained to me by my agents office that my med-pay coverage will pay my medical bills. (which it has done) They then tell me that I can file a claim with the at-fault party insurance company. Further they told me that the at-fault insurance company will pay me for my medical expanses.
Interesting. But I think I get it. Seems strange, but I think I get it.
After not hearing from the at-fault party ins company. I sent them a demand letter.
Car damages under $1,000, medical bills (chiropractor) under $2,000. Pain and suffering $10,000
After some supporting paperwork they sent me a check for the car.
They requested full paperwork from chiropractor, I sent that.
They said, "call you Monday". They did not.
Two weeks later I call them.
Adjuster not available. But another adjuster in the office pulls up the file.
Says the adjuster has made notes saying something to the effect of this...
We don't owe you anything, The car was not hurt that bad.
We don't think those injuries were from the accident.
You did not go to the emergency room.
You did not ride in an ambulance.
You did not seek treatment till two days later. (accident was Sat. chiropractor opened Mon.)
I do not know direct quotes, but that was the basics of the conversation.
I told them I did not understand at all.
He told me to speak with the adjuster. (who does not call me).
I know my p&s number was on the high end. Med X 5
I expected them to start with a low figure. But $0.?
The funny/strange part is.
State Farm is my company and the at-fault company.
My state farm med-pay is paying as if medical treatment is a result of the accident.
Then another state farm person says, we wont pay even your medical!