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Regular Member

Date Joined Jul 2009
Total Posts : 278
   Posted 6/24/2010 8:18 AM (GMT -6)   
Well,, Tuesday I was stopped at a light and got rear-ended.
They guy claims his foot just slipped off the brake, however, buy how hard he hit me, he must have it the gas as well. AND as it turns out, he just got new insurance 2 hours before this.....
So, My neck is sore, and upper back. And my right arm hurts too....
I am going to see the doctor today for this..We will see what happens.
I really thought I was doing well there for a while, then BAM ! ! !
The claim has been filed with his insurance company & they are coming today to look at the car...Anything else I should be doing??
I have never had anything like this happen to me b4.
Tethered Spinal Cord~1.5x1.2 cm spinal cord cyst at L5/S1  (Lumbar Laminectemy completed 9/10/09)~Scolosis~Migrains~Leg Deformity~Foot Deformity~Knee, Hip, Back, Neck Pain~Severe Depression~Insomenia~DDD~Artheritis (Spine)~Spinal Bone Spurs~NEW: Herniated Disc T5/T6 
"I'm not going to vacuum 'till Sears makes one
you can ride on"
~Roseane Barr~

Veteran Member

Date Joined Jan 2010
Total Posts : 1097
   Posted 6/24/2010 9:54 AM (GMT -6)   
Oh Donna....I am so sorry this happened to you. My hubby and I went through the same thing this past broadsided on the driver's side. Thankfully the kid wasn't going fast, but I still ended up with 22 weeks of physio.

How is your pain, compared to a regular day? When the insurance adjuster came to see us, I told him straight up that I had chronic health issues, so some of questions would have big blank spots. Try as hard as you can to differentiate between old pain and new pain.

I will keep you in my prayers...I hope all goes well for you.

Conditions: Fibromyalgia, Severe Myofascial Pain, Chronic Pelvic Pain (with permanent muscle damage), Femoroacetabular Impingement (CAM and Pincer), Reynauds, IBS, Surgical Adhesions, Ophthalmic Migraines, Severe Hot Flashes (both Surgical Menopause and medication related), plus physically unable to vomit due to the Nissen, and I have extremely tiny veins with a lot of scar tissue...a joy when it comes to having to give blood or get an IV started

Surgeries: Appendix, Uterus, Nissen Fundoplication for GERD, Left Ovary, Gallbladder, Right Ovary, TVT

Medications: Oxycontin, Cesamet, Tramacet, Cymbalta, Flexeril and Clonidine plus Laxaday, Vitamin D and a Multi-Vitamin daily

Veteran Member

Date Joined Aug 2006
Total Posts : 9664
   Posted 6/24/2010 10:18 AM (GMT -6)   
Hope you don't mind me postin...
Bumpers on today's cars "Are NOT" meant to take more than "1"hit and so this insurance
should give you a full replacement bumper, if not then go and get a second Quote from
a autoshop of your choice..You always have that choice of choosing a autoshop of your choice for a quote...
and also mention that you'll be getting medical attention and will need to submit those as
they come in...and ask where you'll need to send those as you did get hurt..

I sure Hope your feeling better soon, and I hope things go good for you.

(I've seen what a bumper looks like and it's basically a hallowed out steel 4x4, it's interesting to see
a car being put back together...)
* Asthma, Allergies, Osteoarthritis, Spinal Stenosis, Degenative Disc (Lower Lumbar S1-L3 and Cervical C5,C6, C8 and T1), Fibromyalgia, Gerd,
Enlarged Pituitary Gland, Sjogren's, Ocular Migraines, mild carpel tunnel, ect.... "Would be nice if we could use the edit button in real life"...


Veteran Member

Date Joined Nov 2007
Total Posts : 6795
   Posted 6/24/2010 11:57 AM (GMT -6)   
I was rear-ended once while stopped at a light. It actually caused a chain reaction so I was the second car in line that was stopped that was hit. I regret that I didn't try to get some kind of settlement, even though they paid for my PT and fixing the car (I had just bought the car a few months before and now it's rusting in all the places that were fixed but it's too late to do anything about it). I would say be very careful what you say to the insurance adjuster on the phone. They tape your conversations. Don't agree to anything right now. Don't sign anything right now. If you were completely stopped then there's no contesting whose fault the accident was. You'd have a ton of attorneys at your door if they knew (most likely), and I'm not saying you need to do anything legal, but you don't know how much this will add to your health issues down the line.

Straydog may be along and add some thoughts based on her experience. My thoughts are just from my personal experience with a similar accident.

Just make sure you take care of your body more than you're taking care of the car!!!


Veteran Member

Date Joined Apr 2010
Total Posts : 2265
   Posted 6/24/2010 2:07 PM (GMT -6)   
oh Donna  I'm so sorry that this happened to you.  I've never had this to happen to me, so I don't have any advice, but I dd want you to know that I'm here supporting you.
Dx:  ddd, spinal stenosis, bone spurs, hypothyroidism, typeII diabetes, asthma, allergies, high blood pressure, polycystic ovary syndrome, PTSD, depression, anxiety

Veteran Member

Date Joined Mar 2008
Total Posts : 3089
   Posted 6/24/2010 6:06 PM (GMT -6)   
Yikes! Just what you need, right?! I hope you are doing okay.


Veteran Member

Date Joined Aug 2008
Total Posts : 3193
   Posted 6/25/2010 10:28 PM (GMT -6)   

NOT what you needed, definitely. So sorry this happened! How are you doing today? How's your pain? I haven't been through anything like this, either, so I don't know what else to do.... except PLEASE take care of yourself. What did your doctor say today?

Thinking of you, and hoping you are doing ok.

Main Health Problems: Dysautonomia/POTS; CFS/Fibromyalgia; Severe Chronic Hypertension; Hypothyroidism; Hypoadrenalism; Mixed (Obstructive/Central) Sleep Apnea - on Auto BiPap; Depression/Anxiety; Severe Vitamin D Deficiency

Pain Issues: Cervical/Thoracic back pain (they called it DDD...but I don't know); migraines; carpal tunnel syndrome; widespread joint/muscle pain, nerve pain in hands/arms/feet; Future Plans: Intrathecal Pain Pump; already completed trial (Sept, 2008); awaiting my decision for implantation...

Veteran Member

Date Joined Jul 2008
Total Posts : 2317
   Posted 6/25/2010 10:54 PM (GMT -6)   
Keep a record of absolutely everything. Take pictures if you haven't done so already. After every conversation with the insurance people, write down what your understanding of the conversation was & fax a copy to them or mail a copy via certified mail, signature required. Keep the receipts & a copy of your letters in every case.

Get copies of what your doctor is sending to the insurance company for your own records -- if you can't afford the fee, at least ask to read through what they're sending. Ideally you want to do this before they send them off so you can have your doctor correct any errors ahead of time.

If they ask anything other than basic details (date, time, name, insurance, whether police came, etc.), tell them you need to talk to your doctor & a lawyer first -- even if you have no plans to talk to a lawyer.

Call your own insurance agent. Too often people think that this will somehow negatively impact their rates. Anything is possible -- your rates shouldn't go up, but sometimes they do. But insurance companies routinely check for accident reports & insurance claims filed, so they will know about the accident anyways. You cannot hide something like that from them unless maybe if you get the other person to pay you in cash to take the car to a friend who will fix it off the books. And even then, if a police report was filed or something later happens where your car is looked at by someone who files documentation that is shared with certain databases they can find out.
On the plus side, your insurance agent knows the process very well. They want the other company to be responsible for as much as possible. It is in their interest to help you -- both from a financial & from a customer service standpoint. Some of the larger insurance companies even have experts that the agents will refer customers to when they were hit by someone else. They can explain the laws of your state, the state where the other driver is insured & the state where the accident occurred. Insurance laws are so complicated -- some states have caps, some have "no fault" laws, some have different rules depending if the driver was not the owner of the car, etc. You should also find how how long you have to file a case. You should have several months, maybe years to file the case.

Also, realize that it doesn't really matter how long the guy had the insurance, what matters more is how big his policy is & whether or not he had an "umbrella policy" or any additional coverage. Those are questions you should find out because the insurer will rarely pay more than that amount unless it is really clear that you were horribly mangled from the accident & it was totally the other person's fault (which will be hard for you because you probably take some sort of medication -- sucks, but that's how it works).

You also should find out what your health insurance company does while you're waiting on a settlement. Some health insurers will pay the bills & then file a lien against the claim (a claim number will be assigned once fault is determined -- you should ask the other person's insurance company for the claim number -- if they don't give it to you, talk to your own insurance agent & ask what to do). That means that they will pay, but then if you get a check from the guy's insurance you will need to pay your health insurer first & then use whatever is left for any other expenses you have/will have. Other health insurers will deny all claims related to an auto accident. Yet others will pay for ER visits, but not doctors' visits or PT or such. It's tough to say whether or not you should tell your health insurance company you were in an accident because sometimes they will start denying all bills -- even standard checkup visits with your PM. If you have insurance through your workplace, you might try asking a friend at work what the standard practice is when someone gets into an auto accident.

So sorry for what you're going through. That totally sucks.

feel better,
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