Settled Finally

Finally I have settled with St*ate F/arm over my car accident claim. You would think that after their insured hit me head on with a semi going the wrong way that they would just have paid my bills without complaint. Instead their agent tried to F me over by telling me he had "all the bills" in and lied to me that they came in at $2500 less than they actually did. Like I was not going to notice that??

The day of the accident I had X-rays, and the shyster was actually trying to weasel out of paying the ambulance bill and one of the radiology bills!! When you end up having x-rays, it's not just one bill, it ends up being 5-6 bills for the hospital fee, the radiologist, the physician's network, the ambulance, the pharmacy, etc.

Being generally an honest person myself, I expect it in others, so when the agent told me the amount they came to, I believed him. Then fortunately my usual attention to detail kicked in and I called each and every place that could possibly have a bill outstanding, and the amounts were much higher than what the agent quoted me. I called him back, furious, and he said that he could "only go by" what he had. BS. So I had to have everything faxed to him from those places, as well as request copies for myself.

We came to a verbal agreement over the phone Friday and then yesterday he called me and said he'd mail out the check for an amount that was $100 less than what we had agreed on (and I had faxed him) on Friday. I kid you not! He said that he had talked to his manager and that he could only give me that amount b/c it was determined that was what the claim would be if we went to a jury trial. "Then let's put it before a jury trial," I said. "It sounds like that's what you want."

"I can try to talk to him again," he said. "But that's the amount I can settle with you right now. He's pretty firm. "

"So am I." I hung up and called the attorney I'd spoken with a couple of times, who of course thinks I'm being taken advantage of and so forth, but honestly I don't want to drag this out and just want it settled--but fairly.

Apparently neither did the agent, as he called me right back and left a couple of voicemails (I was too upset to answer his calls) that he would not only give me the $100 more, but he would round it up, making it $3.77 more than we had agreed upon. Such generosity! Two people you can never trust: insurance adjustors and defense attorneys.