Rear end car accident with $6,000 in medical bills...
by Lisa (Milwaukee, WI)
My husband was in an auto accident in July of 2010. He was rear ended on the interstate in Wisconsin while he was completely stopped in traffic. He was found 0% at fault. He did go the ER and suffered a concussion and whiplash.
He was seeing a doctor for roughly 2.5 months until finally the headaches and upper shoulder/neck pain subsided. The total medical bills were roughly $6,000 & only $500 damage to the back of the 2010 Dodge Charger he was driving.
It will be time to settle soon and we are not sure what to expect in terms of an offer from the other driver's insurance company for pain and suffering. What should we be expecting and what would be a reasonable offer we should expect? Thank You!
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ANSWER for "Rear end car accident with $6,000 in medical bills...":
This is a text book auto accident meaning that the duration of treatment, medical bills and over-all circumstances of the case are ideal for settlement. Treatment for lengthy periods of time will often be challenged as excessive along with the associated medical bills.
In your case, treatment for 2.5 months is reasonable as well as $6,000 in medical bills. As a very general rule of thumb, I would expect to start making settlement offers at 4-5 times your medical bills or ($24,000 to $30,000).
First offers are rarely accepted so there may be some back and forth negotiation which is hard to predict. The only down side as I see it is that the property damage is not significant. Adjusters may use this fact to get your settlement lower, however know your facts: Low speed impacts or those with little damage do not always mean that the individuals in the collision are NOT injured.
In sum, stick to your guns. Your settlement should not be less than 2.5 times your medical bills or $15,000.
The above is general information. Laws change frequently, and across jurisdictions. You should get a personalized case evaluation from an attorney licensed in your state. Find a local attorney to give you a free case review here, or call (888) 647-2490.
The accuracy of information provided on this site is not guaranteed. It is generic information for informal purposes only. It is NOT formal legal advice. Your use of this site does NOT create an attorney-client relationship. Before relying on any information found in this site you should consult with a licensed attorney in your state. If you are currently represented by an attorney, you should strictly abide by his/her counsel.