Big Time Rant. - AR15.COM

Posted: 3/7/2006 12:44:06 PM EDT

So most of you know that I am self employed, that means no health insurance. I will have insurance when MrsScrun and I get married next month. October 2004 I get in a car accident, I was the passenger in my brothers Jeep when we got hit by an F350. The accident caused some major back trauma resulting in an emergency surgery to remove a disc that was 20mm out of whack.

No insurnace.

$45,000 in medical bills. I get my lawyer on it, he files liens on the law suit so all the creditors will get paid when we settle. (hopefully within 3 months from now).

So I get my credit pulled today. 120 points lower than what it was 18 months ago.

8 different accounts, showing negative on my credit report, all due from this accident.

Posted: 3/7/2006 12:55:38 PM EDT

[#1]

When you say no insurance are you talking about your Brother's and the other guy's auto insurance or you? I would think that if either had full coverage that they would have medical coverage.

The eight negative accounts are they all medical related?

Posted: 3/7/2006 12:57:49 PM EDT

[#2]

Quoted:
When you say no insurance are you talking about your Brother's and the other guy's auto insurance or you? I would think that if either had full coverage that they would have medical coverage.

The eight negative accounts are they all medical related?

No medical insurance. Both drivers of the accident had Auto Insurance, but the other guys insurance company is fighting the claim.
Because he did not have personal medical insurance, nothing is getting paid, therefore showing up negatively on his credit.

Posted: 3/7/2006 12:58:38 PM EDT

[#3]

Quoted:
When you say no insurance are you talking about your Brother's and the other guy's auto insurance or you? I would think that if either had full coverage that they would have medical coverage.

The eight negative accounts are they all medical related?

My bother has Liability only, I have full coverage but no PiP. the clown that hit us is insured with Farmers. Farmers is fighting because they don't want to settle the claim @ $45K in medical + the standard pain and suffering compensation. My lawyer has said that this is fairly standard with them, they want me to sweat and try to get me to settle for less.

Posted: 3/7/2006 1:04:22 PM EDT

[#4]

F them!

After all is said and done, can the credit be repaired?

eta - If it is repaired, I think you will still have a problem with your credit history. Everytime you want credit, you will have to explain everything.

Posted: 3/7/2006 1:15:29 PM EDT

[#5]

start your paper work bro i see a long future of getting them taken off. Fraud ones are bitch to take off so i assume these will be too.

Posted: 3/7/2006 4:48:27 PM EDT

[#6]

Damn, Scrun, That sucks. I hope you're feeling better and are able to get your credit straightened out after the settlement. I freikin loathe insurance companies. What a racket.

Posted: 3/7/2006 4:50:36 PM EDT

[#7]

Quoted:
Farmers is fighting because they don't want to settle the claim @ $45K in medical + the standard pain and suffering compensation.

Explain. In my experience there is no such thing as "standard" pain and suffering compensation. IM me if you want.

Posted: 3/7/2006 4:54:28 PM EDT

[#8]

I thought you had already gotten your settlement on that

Posted: 3/7/2006 5:05:54 PM EDT

[#9]

Quoted:
Quoted:
Farmers is fighting because they don't want to settle the claim @ $45K in medical + the standard pain and suffering compensation.

Explain. In my experience there is no such thing as "standard" pain and suffering compensation. IM me if you want.

The "industry standard" when a lawyer becomes involved is 4x medical bills. Or $180,000, now the lawyer gets 30% percent.

Posted: 3/7/2006 5:07:30 PM EDT

[#10]

Quoted:
I thought you had already gotten your settlement on that

not even alittle bit.

Posted: 3/7/2006 5:11:50 PM EDT

[#11]

Damn dude that sucks! My mom went through something similar and I hope yours goes better because it took her several years to get it all settled out.

Posted: 3/7/2006 5:15:02 PM EDT

[#12]

Man....I hope your lawyer adds the cost of your eroding credit score to the "pain and suffering". That shit could take a psychological toll and could lead to a whole other claim for couseling and other emotional wellness treatment. If these bills have not been paid by the insured then any damage to your credit reputation should be considered as damages to you and thus you should be compensated to be made whole again. Fuckers.

Posted: 3/7/2006 5:30:09 PM EDT

[#13]

I'm fighting Overlake for a medical bill from a roll-over accident I was invovled in 2 years ago.

My credit is waning because of my medical bill(s) too.

Good luck Scrun.

-Rob

Posted: 3/7/2006 5:58:22 PM EDT

[#14]

Quoted:
Man....I hope your lawyer adds the cost of your eroding credit score to the "pain and suffering". That shit could take a psychological toll and could lead to a whole other claim for couseling and other emotional wellness treatment. If these bills have not been paid by the insured then any damage to your credit reputation should be considered as damages to you and thus you should be compensated to be made whole again. Fuckers.

noted.

Posted: 3/7/2006 7:11:15 PM EDT

[#15]

Quoted:
Quoted:
Quoted:
Farmers is fighting because they don't want to settle the claim @ $45K in medical + the standard pain and suffering compensation.

Explain. In my experience there is no such thing as "standard" pain and suffering compensation. IM me if you want.

The "industry standard" when a lawyer becomes involved is 4x medical bills. Or $180,000, now the lawyer gets 30% percent.

They used to say it was 3X specials. It's a farce. Attorney involvement does not add value to your claim. They just usually know better how to argue your case for you. Most people on their own do not have the patience for the negotiation process. In your case $180K might be about right, I don't know. But the attorney being involved does not increase the value.

Good luck. Patience and persistence is the key.

Posted: 3/7/2006 7:50:51 PM EDT

[#16]

What a HASSLE.
Sorry you're having to put up with this, but hoping it works out justly for you.

I'd start thinking of getting something equivalent or better than an F-350 to ride in or drive...

All the best to you.

Posted: 3/7/2006 7:53:41 PM EDT

[#17]

I know when i was looking into a new car I was told medical claims on your credit report were ignored. Im not sure why you looked at yours but i would imagine it is pretty much standard.

Posted: 3/7/2006 8:22:02 PM EDT

[#18]

Quoted:
I know when i was looking into a new car I was told medical claims on your credit report were ignored. Im not sure why you looked at yours but i would imagine it is pretty much standard.

Bigscrun knows all about automobile financing. I don't but will guess that the person who told you that just meant that they will still get you financing with that derogatory stuff even if you have to pay 40% interest.

Posted: 3/7/2006 9:26:04 PM EDT

[#19]

Quoted:
Quoted:
I know when i was looking into a new car I was told medical claims on your credit report were ignored. Im not sure why you looked at yours but i would imagine it is pretty much standard.

Bigscrun knows all about automobile financing. I don't but will guess that the person who told you that just meant that they will still get you financing with that derogatory stuff even if you have to pay 40% interest.

MrsScrun and I are starting the process of buying a home. we had her cousin pull our credit to see what we qualify for. Looks like it will be six months or so, now.

[ARCHIVED THREAD] - Big Time Rant.

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