What charitable of settlement should i expect for a loss of a quantity of a finger at work? contained by missouri?
Question:
i will be offered some amount, what is fair?
Answer:
You'll be offered doesn`t matter what they calculate is your disability from it - you DON'T go and get pain and suffering from workers comp. And it's imagined the loss of part of a finger won't affect your profits capacity - which would denote no settlement at all. It doesn't put together you disabled!
I'm surprised they're offering you something. I have NO impression what you'd expect.
Read the policy once again
I'm not familiar beside Missouri's laws, however surrounded by most work compensation settlements you'll receive medical expenses and some lost wages (if any). Where I’m from there is no auxiliary recourse against the employer. In other words an employee can not sue an employer. If your work compensation insurance company (WCIC) deem it necessary for partial disability, they hold a formula for that. What is one body part worth over another? Hard to carving attaching a value to feeler but there have been masses hours spent doing just that. Listen to what WCIC have to say. Don’t expect to acquire rich off of a opportunity related accident. If you’re totally dissatisfied beside what they have to vote you’d probably have to invest surrounded by a lawyer for more advice.
Find yourself a greedy legal representative, he will get one third of your settlement so it would be within his best interest to get the most for you. Do not settle in need a lawyer you will more than feasible be cheated.
Where can i find low cost insurance for kids within California?
Question:
Answer:
If you qualify, the California CHIPS program - childrens health insurance program. Here's their website:
http://www.healthyfamilies.ca.gov/hfhome...
What benign of insurance are you talking roughly speaking?
There are health insurance for pets, so that can oblige with your kids (young goats).
There is also enthusiasm insurance for children, which are always cheap.
Or do you stingy low-cost auto insurance for your teenage drivers?
Or do you be determined health insurance for infants?
idk. i simply type something in here to acquire points. :D.
What Companies provide Home Improvement Contractors Insurance?
Question:
I need an insuarance warrant for public liability for $1000,000 and property damage for 25,000
Answer:
Their are Many Conventional Companies that will write "home modification contractors". Contrary to popular belief All you need is at smallest 3 years experience as a contractor doing the same dash of work. You don't have to hold had prior insurance. (Just experience),. I write lots "start up's) like yourself. Besides....How are you going to procure a policy ...otherwise. Safe to say. ..your type of business "Home Improvement" contractor encompass a mixture of construction classes. ie: carpentry, Siding, Gutters and possibly roofing. It adjectives depends on your "main" project description. I put most of these "handy man" or Home Improvement shops as Carpentry. If you did roofing that's another story.
Many carriers don't approaching roofing because of loss potential.
If you have a few years experience as a Carpenter working any for yourself or another Artisan contractor....then you will find coverage. A word of qualification......If you are a General or "paper" contractor. (subs out everything then the market are very limited). As a re-modeler or Fix it guy...your surrounded by good shape.
Give an Independent Agent a phone up. You need to start some place!
OK, assuming you're contained by the US, as you posted this to a US board - if you have no prior insurance, you'll hold to go to an independent agent who can hook you up beside a non-admitted carrier approaching Rockwood Ins. or Scottsdale. Both do contractors. It will likely cost you around $1000 - $1500 if you're a one man shop. You'll have to salary it up front. It will be fully earned, so if you buy the insurance, after get the card, and try to cancel the policy, they'll reverse it, but you won't get any money support. Sorry, but contractors do that ALL THE TIME. They also, as a group (so don't take it personally) similar to buying policies just for their busy season, later letting them cancel for nonpayment - which is why you hold to pay surrounded by full for a year.
But if you're calling State Farm, Nationwide, Farmers, etc, you'll notice they won't write you lacking three years of insurance history. So you need to move about to an independent who can shop you out on the surplus market.
check beside your local insurance agent
Homeowners Insurance?
Question:
How long after the accident do you enjoy to file a claim? I'd appreciate if you know the answer to State Farm's Homeowners policy, but any will do. Thanks.
Answer:
Most of the time the policy is worded vaguely contained by this area. In 20+ years of handling claims (including 3.5 yrs at St. Farm) I don't ever take out denying a claim because somebody took too long to report it.
With that being said, you do run a risk of have your claim reduced for taking too long to report the claim if the house itself has received some sort of physical damage.
The policy requires you to "mitigate" your damages and member of that is have the physical damages repaired in a timely behaviour. I have reduced claims for those who reported a leaky roof 6 months after the damage occur. During the 6 month gap the river leaking lead to damages that would not have occur if they had reported the loss before.
If you haven't done so already report the claim now.
It will be surrounded by your policy if you will open it up and read it. Or you could pick up the phone and send for State Farm.
It depends on the state you live in, the statute varies from state to state. You can walk through your policy, but if you call your agent or the insurance company they won't be vastly helpful.
Call your agent and ask. It's usually 30-60 days.
Best bet is to look at your policy below a section call "policy conditions". If you don't have a copy of your policy your agent should be your subsequent step.. If he's not helpful contact your state's Insurance Commissioner's department. They should be able to put in the picture you what your state's laws are, due to the certainty that every state's insurance laws are different.
The policy wording say "reasonable time". Clearly, a month would be ok - two years, resourcefully, the longer it is, the closer they look at the claim to see if it's valid.
But if it's more than a week or so, they're going to ask you why you waited.
2 yrs for injury and 1 year for property impairment.
Life insurance policies for U.S. students studying contained by the U.K.?
Question:
I am a U.S. citizen, and will be studying in the Scotland for a year. I am looking for a possession life insurance policy to cover me at tiniest for a year or few years while I'm abroad. I'm have a lot of trouble finding a company to do that, and respectively place I've contacted has told me different things.
I'm not looking for a health/medical or travel coverage, but time insurance that will go to my beneficiaries. I'm interested within a $250,000 or preferably a $500,000 policy. Any help or direction on this would be really appreciated. I'm not sure who to go to at this point.
Answer:
Most companies hold a 5 year term policy. When you don't call for the term policy anymore you can put an end to. Your best bet would be to see an independent agent who can search the open market for you to find the best policy for you. You can get residence policies for a shorter period of time but you'll be paying more per month.
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or
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Hello everybody........i am sooo soo so upset right immediately. i enjoy be getting ripped past its sell-by date by my saloon insurance co
Question:
they have be charging me double my monthly rate. i have proof of my payments as very well as what there billing statements state and contradict, on my monthly bills . who do i complain to? what are my rights. i work strong to keep my budget down due to person a full time student and these crooks keep taking what i don't own. help me please.
Answer:
Get your insurance agent to aid resolve this with the company. What's that you say aloud? You didn't get your insurance through an independent agent? You get your insurance "on-line" because you could save a few dollars? Now you know how these companies can contribute lower rates - they don't pay anyone competent to confer you good service after the purchase.
Well Duh! Talk to your insurance co. not us!
First, clear sure you are reading everything correctly and that they are in the wrong. Maybe even own someone else look at it and verify your concerns are accurate.
Second, contact the insurance company and ask to speak directly with a supervisor. Tell them the situation. They may be capable of remedy it for you without you have to go through profusely of trouble. Especially if you have proof of the error on their portion.
If that doesn't work, contact the consumer protection agency, they can point you in the right direction.
Did you know switching to Geico could retrieve you hundreds of dollars each year on coup¨¦ insurance. 15 minutes could save you a bundle........Seriously, natter to your agent
1) talk to your insurance company to see if what they are doing is correct or not.
2) if it is incorrect, see if your insurance company can fix it/reimburse you.
3) if they won't fix it/won't reimburse you, hail as the Better Business Bureau and pursue action.
I agree next to everyone else except for one thing. If you resolve they are wrong and not reimbursing you, contact your State Insurance Department. They can get it solved severely quickly.
Bring adjectives this to your agent, and have them straighten it out.
You also entail to stop PAYING the "double monthly rate".
If you have automatic subtraction, get a different edge account, and close that one.
If they are truly ripping you bad and charging you double your monthly rate then you want to go to them and run your proof so they can solve the issue. Are you sure you're rates didn't go up because of a ticket or quirk? If this issue isn't resolved you need to contact the states insurance commissioner. This is an risky practice and should be taken care of right away.
First, contact your agent and explain what have happened. They probably hold a record of it, too. If you cannot bring back it resolved, go to your state's insurance commissioner's organization and file a complaint.
Looking for information on Major Medical Insurance?
Question:
I am going to be self employed in the close to future and want to start shopping for Major Medical. I literally know zilch about it. What should I be looking for? What kind of prices should I expect? Any feedback from anyone who has purchased their own Major Medical Policy?
Thanks surrounded by advance!
Answer:
Thank you for the secondary information, but none of us can quote you a price on your specific coverage. There are more factors that would be needed within order to do that, and I wouldn't want you to be sharing too much information contained by this format. The advice given have many valid points and great information.
I suggest that you contact a local, independent insurance agent that offer Health insurance. Ask to look at individual/small group plans in your nouns that will provide you with the most comprehensive coverage at the best price. My experience tell me that you will probably want to look at an HSA-qualified HIgh deductible Health Plan (HDHP). It works similar to old leading medical plans, but it also give you the opportunity to put away money on a tax-advantaged spring to pay for current and adjectives medical expenses.
Good luck in your alien business venture.
If you are going to own employees you'll know how to get on a small group policy, otherwise you'll have need of individual insurance.
Some states have a policy for self employed and are great if you own pre-existing conditions.
The premium to expect on an individual or state sponsored plans depend upon your age, current and past condition problems and which part of the country you reside. You should see a local independent agent that can shop the bazaar for you. This agent can also help you if you enjoy any problems or questions during application and while you are on the plan.
Beware of "affordable group policies" for the self employed. These policies enjoy many restrictions on what they cover, such as a $400 per time limit if you dance into the hospital. The deductible with these policies are per popularity, which means if you jump into the hospital three times in a year you own three deductibles. A regular "traditional" policy only have one deductible for you.
Also beware of Medical Discount plans. If you are tempted by the low premium find the doctor list from them until that time signing up and call some doctors to gross sure that they are still taking the plan. Many doctors never have hear of most plans that they're supposedly accepting. With these plans you get a discount, but even if you're lucky satisfactory to get the 60% discount for a hospital stay if you hold a $200,000 hospital bill you still have to earnings $80,000 and you have to clear it up front. These plans are the current scams within the market.
I'm not sure but I imagine this link may facilitate you
it's a directory of the insurance companies of the united states , Canada and fused kingdom.
Insurance will run anywhere from $50 to $1000 a month. How outdated are you? Do you smoke or use tobacco in any form? Do you inevitability maternity coverage? Do you currently bring any meds? Any medical conditions? What is your occupation? Where do you live? What is your height and mass? As you can see, there is closely of information needed in establish to even give you a guess.
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Get your adjectives information about insurance. This website will be of assistance for you for your insurance plan.
Can a doctor prescribe medication online? I do not own insurance and want to know if I can carry assistance online.?
Question:
Answer:
There are some doctors that do prescribe medicine online; however, I would be totally careful because you do not other know what you are getting nor the person that have allowed you to order it. It is best to use your local doctor when you are need medicine.
You can proclaim certain medication online, but you must make sure that the site is a lawful pharmaceutical firm and is dispensing the CORRECT medications to you. It can be extraordinarily dangerous to hold a medication ordered online without first verify that it is actually the medication stated.
As far as person prescribed medication online, I am not sure. However, a doctor's visit out of pocket will run you roughly speaking $100. Yes, this is a lot of money, but I own to say that it is worth the expense surrounded by the long run. A doctor that is of a mind to prescribe a medication without have met the patient is not someone I would trust an inch. There are too tons risks associated with different medication to trust an "online" assessment.
One thing you might try is checking near your state for a clinic for low-income and uninsured individuals. I don't know where you live, but surrounded by Maryland there is one call Chase Brexton. They bill people on a sliding degree based on what a human being can pay. This is not a state agency (medical assistance). It is a group of physicians that have a feeling that having aid for everyone is vital, so they supply the protection at a reasonable cost. If your state doesn't enjoy a company like this, I would spring for an in-person appointment next to a physician and get the "okay" for the prescription you inevitability. They may even be able to give support to you find an online site that is trustworthy.
I know when I be trying to find an online prescription for my father, many of the sites be willing to ship medication, but a doctor's order be required.
I don't know if this will be a helpful place to check or not, but WebMD have "Ask a Doctor" services free of charge. Maybe you could find some information on there about reliable online sites and doctors in your nouns.
Good luck.
There are plenty of places where you can instruct your prescriptions online, but I don't think any doctor would prescribe something for you short examining you in individual. The liability would be tremendous. If you don't have insurance, I suggest that you sermon to your city/town human services department for assistance.
Where can I purchase liability insurance contained by Los angeles, CA?
Question:
Answer:
No, just jump to your local phone book, and look up "insurance agent". I'd opt for a local, independent agent. If they can't get it for you, they can refer you to someone who can.
There are probably THOUSANDS of agents contained by LA. You COULD start with the guy who sell you your car insurance.
every corner....insurance this insurance that...its tough when you verbs!
how old r u
check this website I ruminate it can help you
It's not a tough question, but it is a unformulated question:
Professional Liability? General Liability? Personal Liability? Corporate Liability? Homeowners' Liability? Vehicle Liability? Employment Practices Liability? Director/Officer Liability?
Please re- phrase your query as to "what type" of Liability Insurance. Thanks
Get your all information almost insurance. This website will be helpful for you for your insurance plan.
What does a residence existence insurance medical exam consist of?
Question:
And what companies do people recommend.
Answer:
A medical exam usually consists of blood test and maybe a physical. When I bought a vivacity insurance policy after getting married and having my first child, the company sent over a nurse who verified my wieght, took blood sample and verified my answers to health question. It look less than 20 minutes. It's no big matter as long as you're being honest and are realtively on form.
There are many sites whereby you can compare natural life insurance companies and get quotes from masses sources. this site will give you quotes from several agents within your area from companies such as state sheep farm, met life , modern york life and others...
http://www.bestinsurancedeals.net/life-i...
There are also companies who donate no medical exam life insurance at valid rates. you can get up to $150K permanent status life within under 15min.
http://www.fastestlifeinsurance.com...
All existence insurance medical exams consist of the following:
saliva test and/or blood testing
urine test
physical exam (basically of late blood pressure, height and cargo, cholesterol level)
I recommend Primerica Financial Services, since they started the crusade of buy term and invest the difference and they never sold a single bread value duration insurance policy.
generally, the insurer requests to check your blood pressure and check for diabetes, and rule out any obvious form conditions that would preclude coverage. also if you said you did not have diabetes and the blood work indicates large suger levels.. the insurer may elect not to provide coverage.
depending on your age and amount of insurance it can be as little as a paramedical exam (bp, heart rate & measurements) and mouth swab, or can include some or adjectives of urinalysis, blood draw, resting ekg, going to do a treadmill test and have a full doctors exam. The older and larger the amount the superior up that list you budge.
Depends on the amount and your age.
Some companies have none for small amounts ($50,000) as long as you answer adjectives the health question with 'no'. Or if the policy is on a 10 year old-fashioned...
Some large policies we own require stress tests, full blood workup... essentially a full physical. Those tend to be for the $3 million and above.
Met Life
State Farm
Mass Mutual
Go to www.ambest.com and research any company until that time you decide. You want a company that will be around 50 years from very soon.
It really depends on your age and the amount of insurance you are trying to purchase. If your under 45 and purchasing smaller quantity than 100,000 worth of insurance you would most likely with the sole purpose have to pocket an ost exam, mouth swab, which is in your agents department in most cases. If your purchasing more insurance you would own to have blood profiles, urine specimen, vitals, ost, and surrounded by most instances your mvr would be run to make sure your not a lofty risk driving. If your over 60 than you you most likely enjoy to have a resting ecg as economically
Never ask your Insurance Company if you are covered for a specific item.?
Question:
According to my Insurance Company (The Post Office) this is regarded as a claim and will be on your policy for five years!
Has anyone else have this experience?
Answer:
the best way to check for coverage is to look at your policy(duh!)
If you don't hold a copy of your policy or do not understand it, you should contact your insurance agent to push for what is and is not covered.
claims can only be shown on your loss history/loss run if within fact it is a claim. a claim vehicle that someone (could be yourself) has contacted your insurer, and as a result the insurer have paid money against your policy.
the time an incident or injury remains on your loss run is differant from the information gather by the information bureaus which can follow you around for a very long time.
I suggest the post office insurance is cac,they're expensive.
Now is that what really happen? Or did something actually ensue to the item & you rang up told them an event have taken place and they declined you for this?Then try to kind out that it was lately a question as nought had happen. Such as my tv has broken down, no rationale just stopped working - wear & cleave.
If you contact your insurance agent and ask if something is covered and they giv eyou an answer right away a claim is not turned in. If you call for with a press that can't be answered without turning within a claim and having an adjuster research the policy to see if in attendance is coverage, then a claim have been turned within and will show up for 5 years.
Actually I know allstate and state farm both enjoy practices that if you call and identify yourself and ask a interview about coverage that they are to history it.
Simply asking a "what if" question will NOT be record as a claim!
If you call & vote this or that HAPPENED & you want to know if it would be covered, would likely be record, as an incident occurred.
Does anyone know of a dutiful renters insurance that I could look into?
Question:
I live in an apartment and would approaching to purchase insurance.
Answer:
First its important to deduce renters insurance, there are different types of coverage. You shouldn't meditate about cost lacking considering benefit. In other words begin by kind-hearted what you are trying to protect with your insurance and next get some bids base on your needs. Price alone cant be the factor, the cheapest insurance may present the least coverage and not do the opening you are looking for.
Go to yourpropertypath.com and look at the renters insurance article - its really informative. Decide for yourself what kind of coverage you necessitate and then be in motion to the first article in that roll and get some quotes...tolerate agents compete for your business...There are no subscription fees or costs to you for a quote
Good Luck!
I have renters insurance from Travellers Insurance. I pay cheque like....16 dollars a month. It vary depending on what kind of apartment you live within, where you live, etc....
Go and contact the agent
The agent who sold you your saloon insurance can tell you the local companies who trade renter's insurance. It's a property and casualty product. Cost is based on the size of the deductible you choose. Many solely bill once or twice a year. If you're a forgetful person you may want to recompense the roughly $150 or so annually so that it's off your mind and within when/if you need it.
Call the focal company's like Allstate, Statefarm, etc. Have your question ready, how much coverage you want, what characteristics of deductible you want, how your apt or building is set up, i.e. smoke detectors, fire extinguishers, sand pipes, is it brick, does it have fire doors. Ask your proprietor about the building and also if he have an insurance company that he recommends. And compare prices.
Avoid the online Renters policies. I enjoy found that they are always more costly for smaller amount coverage. This may be attributed to the fact that heaps do not run an insurance score on their clients, and thus charge everyone high risk rates to ensure they hold in more than they money out. I would recommend Farmers to anyone. If your credit is anything but the worst possible scenario, you will always come out ahead. All chief US carriers underneath insurance decisions on credit to some scope these days, and that works to the good thing of most people. When purchasing a policy, clear sure that your limits are high-ranking enough to cover your belongings at FULL REPLACEMENT COST, not ACTUAL CASH VALUE! More importantly, fashion sure that your liability limits are at lowest 100K. The difference between 25K and 100K is next to nought. If you have granted to purchase a policy, make sure that what you are paying for will if truth be told do you some good if you really inevitability it.
Anyone that's A rated would be fine. I'd strongly suggest looking at the company that provides your vehicle insurance - the discount on your car insurance would effectively plan free renters insurance.
They're pretty much all like!!
General anesthesia...not a medical necessity?!?
Question:
My 10 yro daughter had 8 teeth removed at the oral surgeon's closing month. This was a necessity as in attendance simply is not enough room for adjectives of her teeth. Of those 8 teeth, 4 were kid teeth and 4 were fully fledged, one of which was bony-impacted and required surgery.
Because we are "out of network" the oral surgeon required us to pay envelope up front for his services, so we paid $1,700, $450 of which be for general anesthesia.
Imagine our shock and disgust when we widely read that Cigna will not cover general anesthesia for oral surgery unless near are TWO bony-impacted teeth or more to be removed! The surgeon's office have appealed to the medical portion of our plan as well as urging and RE-URGING Cigna to make another study of, but they're firm and they've denied the claim twice. These retards actually see no source why a 10 year old child would requirement general anesthesia while surgery is individual performed contained by her mouth!
Answer:
It's worth it to appeal because many long-suffering appeals win. Besides, YOU'RE the one PAYING Cigna, so they usually do back down to the patients if medical necessity can be proven.
It's going to be frustrating, and insurance companies hill on p*ssing you off so you put a bet on down and just compensate it. Appeal it as far as you can - more often than not, if they see you're holding your ground, they stern down.
Good luck!
Before the surgery, did the dentist try to
get a pre-approval for the common anesthesia. ??
Quite often an ins co will tender consideration to what it necessary if you ask their approval BEFORE the procedure,
Too deferred now.
Yes, you should appeal! Cigna have an internal appeals process for medical claims that have be denied. It may take a while to grasp an answer from them, however.
If you're still denied (that's absolutely ridiculous, my God she's a 10 year older girl having 8 teeth pulled, for crying distinctly, how inhumane can they be?!!) then you can contact your state's Banking and Insurance Division beside your claim. They can often start an independent review process for you and can and totally often DO intervene surrounded by these matters.
Good luck to you!
Wow...Kevin! Only on RunEye.com sooner or later and reported already! Great job, trashmouth. You kiss your mother beside those lips?
Yes, it works around half the time. DEFINATELY worth the $.39.
I enjoy a household insurance policy beside the Post Office.?
Question:
We were have some building work done and in the process discovered that our drain run did not comply near building regs.
I phoned our Insurance Company to ask if we were covered.
They did not reply but after a week sent us a claim form.
We told them that we be only enquiring and did not call for the form but they have informed us that this is a claim and in a minute on our records
We are in a minute unable to coppers our insurance company for five years without divulging the claim which does not exist.. What thoughtful of scam is this!!??
Answer:
So if they had covered the drains you see this as a claim? But because you made a claim for the drains and told not covered you do not see it is a claim. If the claim be with draw and nought was salaried out then any insurance company would look at your story. However have you any other claims as it would not be viable to say you can not move about else where unless you own a poor claims history
Insurance through the USPS? They can't even get e-mail where it's supposed to be in motion. Why would you insure your home with them? Are you a USPS hand?
They cannot list this as a claim when one hasn't even be registered! Write to them and explain this and if you get no seventh heaven, refer it to the Insurance Company Ombudsman. Details should be on your policy document.
What should I influence to a claim adjustor I expect is giving my roomate the runaround?
Question:
she was flipside ended by other do. she has a witness that stopped to donate her his info as he was walking his dog. the other participant cursed her out gave her info ,took pictures consequently drove off. my roomate turned the claim into the other paties insurance. roomate and passanger go to doc and chiroprator. chiropractor told her to get attny. my roomate did not want to because after doc and chrio adjustment she feel back to middle-of-the-road. the other parties adj told her that this would not be a bodily injury claim because of the low impact to his party veh. i think he is trying to return with her afriad to submit her dr. bills. I am trying to help her write a cover message for her bills to him. Any tips on what i could tell him?
Answer:
OK, very well, the other insurance company has NO OBLIGATION to backing you out! There's no obligation to pay packet, until a judge say they have to!
Many states discount chiro bills - it's too assured to run them up over not much. Some states are "no fault" for medical bills - meaning she have to submit all medical bills to HER insurance company.
My warning is to submit the bills to her carrier, consent to them subrogate. Don't expect any pain and suffering offer, if there's low damage, one call on to a doc, no PT, and just a buncha chiro adjustment. She'll have to sue if she requests more.
She'll likely hold to pay the attorney out of pocket, as this does NOT sound close to the kind of suitcase a lawyer will appropriate on contingency - she's got a pious chance of losing, and even if she win, it won't be much money.
It probably wont' be worth it for her to sue.
Was a police report filed? It's usually required by insurance companies. If so, your roomate will obligation a copy of the police report, car repair bills, a copy of adjectives medical bills and medical reports, and receipts for any out-of-pocket expenses. A chiropractor recommending an attorney is most plausible a quack, which is why insurance companies typically won't pay their bills, but they can consider them. You should also contact the witness and see if you can obtain them to write a brief statement on what they saw.
Your roomate is also entitled to Pain & Suffering damages, but if it was a minor fluke, don't expect to get much. Tell the insurance company that she expects to be reimbursed for adjectives of the accident-related expenses submitted (make sure it's everything she wants to claim) plus a "reasonable" bodily injury settlement. Tell them their client be clearly at fault, and you enjoy a witness. They should respond in writing, but she may simply get a telephone call from the adjuster. For a minor accident, decline any record statements, stick to your guns on the reimbursement, and you'll have to negotiate the injury damages - if they construct you an offer for the bodily injury portion, engineer a demand almost 4-times their offer. If they won't budge, ask for a supervisor to try and negotiate a settlement - they will own more authority. Remind them their client was clearly at scorn, that you are just trying to be probable, and be polite. Don't threaten them with an attorney, they might a moment ago deny your claim and leave you no choice but to hire an ambulance chaser who will pinch most of the settlement money. If you can get them to double their contribute for the bodily injury, you're probably doing well, if the injuries be indeed minor.
She needs to check next to her own insurance agent. Some states are no fault states which technique if you get injured within an accident you are other going to go to your own company to payment your medical bills, no matter who is at defect for the accident. In my state you would requirement to have at smallest 2500 in medical bills surrounded by order to turn contained by a bodily injury claim to the other persons insurance. This may be what the other companies adjuster is conversation about. Call your own agent and ask them in the order of the laws contained by your state.
YOU do not have the right to converse to the adjustor, as YOU were not involved. Due to privacy law, they don't have to chitchat to you. As far as your friend, going to a chiropractor who recommends an attorney LOOKS shady, even if to be exact not what she intended......
Her best bet is to be up front- "I had soreness here...." or somewhere.... And the person who said she should not submit to a record statement is WRONG..... statements are a perfectly conventional part of the investigation process. Refusing to do one also looks resembling your roommate has something to darken..... Honesty is the best policy here.