So This is How it Works

Teenage girl slams into me going 60 in a school.

I sustain a head injury.

I sustain a neck injury.

Head injury may have life long repurcussions.

I'm having problems with balance, fine motor skills, short term memory, auditory processing, reading comprehension, regular comprehension, concentration.

I have pains in the back of my head from where I hit my head.

My PIP has run out.

I still need medical care.

NOW HER insurance company informs me that they don't pay as you go. They will only give me one lump sum after I have completed all medical care. Except I don't have the money for said medical care. I'm told to get personal liens against me for my medical care and pay for it after treatment ends. Except they don't have to tell me how much coverage there is. I could run up $38,000 in bils and find out she only has $25,000. Then I'm stuck for the rest. Or I could stop at $25,000 and just live with my problems as is while she has $100,000 in coverage.

Now this gets even better. People say sue her family for the rest, as is the right thing to do if they only took $25,000 in coverage, BUT in order to get the $25,000 from the insurance company you have to sign a release saying you won't do that.

So if I had lost a limb in the accident and they only had $25,000 in coverage, that's all I'd get. If they had $50,000, that's all I'd get. I'd be stuck with the rest of the bills and loose MY house for their daughter's driving.

So let me ask you THIS question: why then should I pay higher premious for $100,000/$300,000 coverage if I can't be sued anyway? I'm thinking *I* should get some small crappy insurance company and the lowest required coverage and spend my extra cash on my farm.