In article <vNadnWvimN_xKwbcRVn...@giganews.com>,
"ahmward" <nospam.ahmw...@yahoo.com> wrote:
I had an extremely productively morning spending an hour in the yard and
then heading out to a local shopping center. The stores are still empty
in the a.m. and everything was quick until my car was hit from behind by
a tow truck while I was waiting at a stop light just minutes from home.
The car is fine but the back bumper needs to be replaced. I am fine too
though I feel like I've been smacked in the back by a tow truck. The
company owner doesn't want to go through insurance so I've turned the
situation over to DH.
Sorry about your accident, Audrey. If there's any possibility that you
may have a more serious injury than it appears right now (and sometimes
it takes a day or two for that to be obvious since inflammation can
build up), I really think that you should let your insurance company
handle it. A friend of mine once decided to handle it privately but when
she had problems with her neck and got it checked out, her health
insurance company sent her a form to fill out to determine whether or
not she had been in an auto accident and if so, they wanted her
automobile policy number. She didn't want to get in trouble for
insurance fraud and because she told her doctor that she had been in an
auto accident very recently, the truth might have come out even if she
kept her mouth shut. She indicated that indeed, she had been in an
accident. Her health insurance didn't cover it and she had to go to the
person who hit her and deal with it through the auto insurance company.
Since she had already been paid by him for the car damage, he was paying
more out of pocket than he would have if he had just gone through his
insurance company to begin with (according to him, at least). This was
unpleasant since she "promised" that she would let him pay for the
damages, he was very angry and she became nervous about what he might do
to her.
I don't think that insurance inquiries are that uncommon. My insurance
is great (I don't pay a dime for my insurance and the insurance company
covers everything but the $15 copay per illness) but when my husband
cut his finger open while cooking and needed to get stitches, they did
send a form to find out the cause (on the job where Workman's Comp could
cover it, for example). They did cover it, of course, since it happened
at home by accident.
Stacy