USAA insurance company only wants to give me $1000.00 & my daughter $700.00 for our injuries due to their insureds boyfriend who did a burn out in a puddle of water and rear ended me. We hurt our backs and necks but they are somewhat better for the most part. At least a few days a week we still have to deal with some pain, or stiffness, soreness. The adjuster isnt even paying me for my time off from work. What should I do????I know we could get more but I dont want to hire a lawyer, plus I only have until this June 19, 2006 to do something. Help!!! I want to be able to write some sort of letter sounding like I know what I'm talking about.
119440
Ouch! When no void comes to a settlement with insurance, your best best would get a injury lawyer.  In most case you will WIN and don't have to pay a lawyer one cents.  Check with the law bar in San Fransico and ask the clerk to find you good rate lawyer who wins win.  Hopefully they will have someone contact you.  Good luck, i would file, because I had to in the past when I was in a car accient and it was the cop fault.  Had to sue the city!
561660
I feel for you.   I have handled multi-state claims, and claims for some of the tribes in the sovereign indian nations.  I know that all or most of their workers comp claims are handled this way  - - When a worker becomes injured, the claim is governed by the sovereign indian nation - period.  You have NO recourse or avenues via the State Workers Comp Board - probably this is WHY you are not able to find an attorney who will take your case.  From what I remember, your avenue of "appeal" is via the Tribal Elders or Tribal Counsel.  \nOn another note, when we opened the claims for those workers, we would apply "most" of the laws and rules in the state that had jurisdiction over the claims.  \n\nNOT sure HOW you were injured.  IF your injury was caused by negligence on the part of the place where you worked, you may be able to file a lawsuit - either by "tort" or "premises liability".   \nIF you decide to go that route, I would highly recommend retaining the services of a lawyer who SPECIALIZES in tort and liability claims. ALSO make sure that the attorney has a good working knowledge of workers comp.   But the PRIMARY qualification under THIS scenario would be tort & liability. \n\nI used to work with an attorney who worked on the reservation, but I lost touch with him.  \n\nIf you want to try your luck in an open Forum discussion, I noted that http://www.Prairielaw.com  is good & they have attorneys who may be able to help.  \nIf you want workers comp resources check out http://www.GettingWorkersComp.com \nThey have all kinds of stuff.  \nGood luck.    \n\np.s. - I posted a question about a "workers comp rally" could you please do me a favor & post a comment about what you would want at such a rally.  Thanks much.
152328
Uninsured motorist coverage is always a good idea. You should maintain the same limits that you have on your liability. If you are seriously injured your Um coverage can compensate you for your injuries and pain and suffering much in the way that an an-fault party would.  \n\nCollision and Comp- your choice if you can afford to pay that why insure the risk..if it is not a real risk to you
133762
actually I just had a training session on this, if your carpal tunnel is permananent they have to treat it as a disability, however if it is a temporary condition usually compared to a broken leg, then your employer is required to make reasonable accomodation for you. As far as other employers when asked why you need to explain. If you are the best qualified then you should be hired, I think you and the poster that was fired after the 12 weeks needs to contact the EEOC and have them do an investigation. Most companies do not want to have them involved and are ready to settle, also FYI if they are found negligible you are eligible for $300,000 for each incident.
161634
Find another lawyer, that does NOT know this lawyer, and explain everything.  See if you can re-open your daughter's case, since she can no longer play sports because of this accident, and go from there.  Understand that MOST lawyers know each other, and bond together when someone wants to report another!  Unfortunately, this is the way they work, and not much we can do about it.  If you've got everything documented, including collection letters and proof that the medical bills were supposed to be paid out of the settlement then you've got the ammunition you need to do this.  And if you signed anything accepting this settlement, you can state that  you signed it under the direction of your lawyer, and trusted him completely, and he didn't represent you to the best of his ability.  You might also want to report him to the Bar Association.
448642
i didnt get to read your question yesterday, but am a little saddend by some of the responses you got to this one. there isnt much i can say to take your mind off things. but your right. your injury is very seriouse. did he do that to you ?  have you tried  emailing a health website for advice ? im not in america so i dont know of any there. good luck and ignore the hurtful responses, one day they may need some sympthy!
475743
it really depends on what line of business you're in.  i was an auto adjuster for 6 months and i really don't know if i would ever do it again.  as it was said, people get really crazy, many people think insurance should just be an open checkbook and they should get paid whatever they say.  an insurance company's job is to pay what is legally obligated to pay, no more, no less.  when you pay a premium, what you are doing is paying a contract for the company to absorb some of your legal obligations.  i've worked in worker's comp and am now in property.  all have been business lines, and so i can't speak on what personal lines would be like.  as someone said, it's a great leg-in to the insurance industry if you are after it and there is always a demand for adjuster's in all lines of business.  just don't make the mistake of thinking it will be a breeze job.  very few people are happy when they have to file a claim and as you can see, many people think you are out to stiff them.  you will deal with that kind of attitude daily.  if you have the personality to deal with that, go for it.  just make sure you are compensated appropriately and make sure you get proper training.  you don't want to go in unaware.
125651
I have switched jobs a couple times, so I know what your going through.  Most every insurance company will cover you for an additional 90 days, after you leave a job.  I was unaware of this, when I broke my arm between jobs and thought I didn't have insurance.  I had not paid in 2 months, but my account was still active.  I had to catch up with the 2 months in payments and pay my deduct able, but it came out way better than I imagined.\n\nI know being in the mortgage business all the privacy laws, so my suggestion is, call your current insurance and run the scenario by them.  Call your knew Job 2ND, Tell them your situation and they may be able to work on getting yours when the other ends, that is if they need to.  \n\nI think this will work out better than you think.
352630
First of all I would consult a lawyer about the cancelled insurance policy. Most law firms will give free consultations over the phone to see if you even have a case.  As far as online work... I'm not really sure. I wish I could be more helpful but I would really look into taking action against his place of employment because if he was hurt on the job they are liable. Good luck to you and your family.
41914
As a workers' comp. attorney, it has been my experience that proceeding on a WC claim is a very long and tedious affair for injured workers.  It sounds like you are currently receiving some form of treatment, which is good.  It can take months to go to a hearing, and then months more if there is an appeal.\n\nIf you think your attorney is not diligently representing your interests, you are always free to get a second opinion.
572829
I'm not sure I follow the question?  But you will have a very hard time suing for pain and suffering only, and not including any damages such as medical bills, and that sounds like what you are trying to do. You may be able to sue for negligence but only if the company was negligent. And if the insurance company did pay the claim, regardless of if they denied it at some point (unless they actually took the money back), you would no longer be able to sue the employer for pain and suffering that were a result of the injury you have already been compensated for.
157490
It doesn't matter.\nThey are self-insured and since they are you can sue them for any negligence.\nFirst of all, you need to contact a personal injury attorney and tell them your story.\nYou are likely going to have to pay all of your medical bills for right now and probably have a very good case to make a recovery at some point, but it may take some time.\nYou really need to gather up and preserve as much evidence as you can.\nYou may need to find out if the area in the store was covered by a security camera.  You may need to preserve that right away, so you may need a subpoena, which means you need legal help on that soon.\nDon't delay.
269096
Oh darlin- good luck to you!  I just went thru this whole damn thing!  I had injured both my hands in a fall and ended up out of work for 3 months.  I got fired for missing work!  NICE huh?  Well after being out 3 months I found a new job and was doing great at first and ended up making my hands even worse and I just had double hand surgery!  I did luck out and get the first employer to pay for it plus benefits but I had to get an attorney to do that much!  Good luck to u!
251315
You shouldn't expect any compensation because it was an accident.  No one's fault, but yours, for not being careful.  This accident you caused will make you much more careful in the future - think of it as one of life's lessons and move on.
360835
Did your friend tell the doctor/ER that it was a work related injury? Did he/she file a workman's comp claim? Call the state labor board and find out what can be done!
491876
I have been a workers' comp. paralegal for 20 years - IN VIRGINIA.  Here you are entitled to 2/3 of your weekly pre-injry gross wages if you cannot work at all.  If you can work light duty and you have a wage loss, then you are entitled to 2/3rds of the difference between what you were making before you got hurt (average weekly wage gross) and what you are earning after the injury.  BUT-laws vary widely from state to state.  I'd go to Ask.Com and look up the California Workers' Compensation Commission or Industrial Commission.  All states have these websites and I'm sure the info. that applies to you is on there.  Good luck, and I hope you are better soon.
657262
Hmmm..might want to talk to a lawyer.  All insurance companies will do whatever they can do to pass the buck onto someone else so they can save money.\n\nRealistically though, that's why people have homeowner's insurance - to cover accidents that happen at their home.  Whether or not your friend wants to make an insurance claim or pay you out of their own pocket is their choice, but either way, your FRIEND should be covering your medical costs as well as any lost work income you had.\n\nIn fact, they should be grateful that you are not suing for more, because you could legally get pain and suffering too!\n\nNot all insurance companies drop on one claim.  I had State Farm and had two $5K claims in the first 9 months I had the house and they didn't drop me or raise my rates (to my surprise).\n\nIn any case, your insurance company does have the right to go after your friend (if the friend doesn't turn over the insurance info) and you probably ARE legally compelled to cooperate.  Check your own insurance contract.  Otherwise your ins co might be able to refuse the claim.\n\nPlus you are still out a week or more's income.\n\nJeez..you sound like a great and caring friend, but your friend is more concerned with his own pocket than your welfare.   I'd ditch the friend and hire a lawyer to sue them!