arvin
NJRC Member
Saw the other thread and was inspired to write my own story.
I work in Philadelphia and live in Edison. About two weeks ago I was getting back from work. The traffic was slower than usual on 95 North. I was doing like 50 miles an hour and this gentleman rear-ended me which caused my car to hit the one in front. The guy that slammed my car profusely apologized and admitted fault. I called his insurance company to file a claim. My car had to be towed away and declared totaled by the insurance company. Later that night I felt some pain on my upper back. Next day went to the doctor and had some pain medication prescribed. Promptly informed the insurance company. So far so good.
Exactly one week later, about the same time, around the same area I was hit again. This time I was driving a rental car provided by the previous insurance company. I was making a left turn into a gas station. There were two lanes on the opposite side. There was no traffic in the first lane and there was this huge truck in the second lane. The truck stopped so could make the left run in front of him. So started the left turn and almost got into the gas station. There was this moron who was standing behind the truck who suddenly decided to go around the truck (using the shoulder) and banged my car from the side. Heavy damage to my car with both passenger side doors got ripped. His car was totaled in this accident. Turns out he is a 21 year old kid who was driving his Dad’s car without his knowledge. According to him he is not on this Dad’s insurance policy. Anyway, called his insurance company filed a claim. He admitted fault and working with the rental company to straighten things out.
This time I felt that distinct pain in my lower back. Went to the doctor next day and continuing with the pain medication. Later I learn that I should go through my own insurance company for the medical claims which is what I am doing now. In a way this helps, because I don’t need to go through two different companies to resolve the medical claims. Now there are two burning questions right now for me.
1. If this was not due to my fault why do I have to pay deductible?
2. I have had history of back problems. Last year had to undergo a cervical spine surgery. Although there is clear evidence (from follow up visits) that the older issues have been resolved, is it possible that the insurance company at some point deny the claim that this was a pre-existing condition?
Any input is highly appreciated.
-Arvind.
I work in Philadelphia and live in Edison. About two weeks ago I was getting back from work. The traffic was slower than usual on 95 North. I was doing like 50 miles an hour and this gentleman rear-ended me which caused my car to hit the one in front. The guy that slammed my car profusely apologized and admitted fault. I called his insurance company to file a claim. My car had to be towed away and declared totaled by the insurance company. Later that night I felt some pain on my upper back. Next day went to the doctor and had some pain medication prescribed. Promptly informed the insurance company. So far so good.
Exactly one week later, about the same time, around the same area I was hit again. This time I was driving a rental car provided by the previous insurance company. I was making a left turn into a gas station. There were two lanes on the opposite side. There was no traffic in the first lane and there was this huge truck in the second lane. The truck stopped so could make the left run in front of him. So started the left turn and almost got into the gas station. There was this moron who was standing behind the truck who suddenly decided to go around the truck (using the shoulder) and banged my car from the side. Heavy damage to my car with both passenger side doors got ripped. His car was totaled in this accident. Turns out he is a 21 year old kid who was driving his Dad’s car without his knowledge. According to him he is not on this Dad’s insurance policy. Anyway, called his insurance company filed a claim. He admitted fault and working with the rental company to straighten things out.
This time I felt that distinct pain in my lower back. Went to the doctor next day and continuing with the pain medication. Later I learn that I should go through my own insurance company for the medical claims which is what I am doing now. In a way this helps, because I don’t need to go through two different companies to resolve the medical claims. Now there are two burning questions right now for me.
1. If this was not due to my fault why do I have to pay deductible?
2. I have had history of back problems. Last year had to undergo a cervical spine surgery. Although there is clear evidence (from follow up visits) that the older issues have been resolved, is it possible that the insurance company at some point deny the claim that this was a pre-existing condition?
Any input is highly appreciated.
-Arvind.
