My question involves an injury that occurred in the state of: Virginia
- I was hit in May 08 by a woman from CA visiting in VA and driving a rental car.
- Police deemed her at fault on the scene.
- My car was totaled - that settlement is complete - no problem.
- I sustained a knee injury that required ortho surgery to correct - all follow on care / therapy complete. The medical bills have been paid by some combination of my auto insurance company, the rental car insurance (lets call them Insur-A as they are primary) and the woman's insurance company (Insur-B).
1. It appears that the rep from Insur-B is the only proactive person working the case.
Insur-B rep requests to meet with me to "settle up". She would not discuss numbers over the phone (I thought that odd) but wants to lay it all before me in person. I expect that the Insur-B rep will offer some settlement amount to forego any future medical claim I might lodge and to cover my "pain and suffering" from the whole ordeal.
2. She has also been in contact with Insur-A company (the primary carrier in this case) and expects that they will settle with me for their coverage limit (approx $20K less about $1,500 to cover payment not covered by my auto insurance company).
I am (needless to say) new to all this and ask what I should expect. Are there any pitfalls that I should avoid?
My knee was repaired back in Aug 08 and the recovery has been satisfactory. I am an active guy and figure the window to claim anything further against the auto accident is/has expired.
Are there any standard tables that show what amounts I should expect to receive?