On August 2, 2005, my 1999 Chevrolet Venture was struck by your insured, Mrs. Dís Chrysler minivan, on Northbound Route 31 across from St Maryís Church in Mchenry Illinois when Mrs. D failed to stop for construction traffic that had come to a halt. Her carís front end hit my rear bumper causing $1722.40 in property damage, paid by your company. My seatbelt was on and my son was properly restrained in his carseat. Mrs. D admitted fault at the scene, the police were called and no tickets were issued.
My injuries were not such that I felt the need to go to the hospital by ambulance. I chose to seek chiropractic care for myself and my 21 month old son that was in the car at the time of the accident. My injuries were to my neck, right arm and soft tissue in my neck and upper back. I was sent home, with orders to put ice and rest for a few days.
I was scheduled to move to California to start a new job on August 9, 2005. Due to my injuries I missed 31 hours of work at (name of employer) where I waitressed. During this time I had follow up treatment with my doctor J. I was having severe pain in my neck and right arm. Dr. J advised against driving cross country, but I had nowhere to stay, and my new job was in jeopardy. My mother, S offered to drive to California with me, allowing me to rest more during the trip. As a result, she had to purchase an airline ticket back to Chicago.
My medical bills totaled $6274.00
Airline ticket back to Chicago for my mother: 259.20
I have lost wages in the amount of $ 465 (31 hours at average $15/hr)
As a result of being hit by Mrs. Dís van, I had to be under a Drís care in California as well. This created hardship for myself and my three sons, I had several appointments a week with Dr A, causing me to lose two child care providers. The stress of the situation became too much to deal with and we moved back to Illinois so I could have more help with my children. Had I not been in pain on a daily basis, I would not have chosen to break my lease and move my children across the country for a second time.
Total bills come to $6988.20.
I have had considerable pain and suffering as a result of this accident and continue to suffer from neck and back pain. I demand settlement of my claim in the amount of $10500.00. Please respond to this demand with an offer to settle within 15 days.
My question to you..the members is this...Is my demand for too much? I received the initial offer from the insurance company today, they are offering to pay my medical bills and give me a check for $1250. Nothing was said about my mother's plane ticket, they will only pay me my hourly wage of $5 an hour since I was working as a waitress at the time of the accident. I would rather not get a lawyer (call me stingy!) The adjuster also told me that the case was reviewed and the reviewer determined that my treatment should have been discontinued after 16 weeks (I was under dr's care for 10 months). To me $1250 is almost an insult after all of the havoc this accident wreaked on my life.
Anyone got any advice? How does my demand letter look?