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Thread: Update on my Daughter and her recovery

  1. #1
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    Update on my Daughter and her recovery

    I am happy to report that my daughter is recovering pretty well. She is still very sore and has limited motion.

    She has returned to school and that has really helped her emotionally.

    I on the other hand am still feeling the fallout from this.

    We are starting to get bills for her hospital stay, the surgeries, and her aftercare. All totaled, they billed my insurance almost $200,000 so far. My insurance says they will go after the drivers insurance policy for me.

    That is all well and good but I have 80/20 coverage and they are sending me the bills for the 20%.

    I have called a lawyer as 20% could be as much as $40,000.

    I don't have that.

    I have been riding my motorcycle a lot and just trying to keep my sanity.

    I have a lot to be thankful for, especially that my daughter even survived. But, this is likely going to go on for some time. I cannot let it bankrupt my family.

    If anyone has been through something similar, advice is appreciated.


    EDIT -- Link to prior thread: Spent last week at the hospital, my daughter was in a bad wreck.
    Last edited by ccw9mm; May 17th, 2019 at 10:15 AM. Reason: link to prior discussion

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    Quote Originally Posted by RScottie View Post
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    I am happy to report that my daughter is recovering pretty well. She is still very sore and has limited motion.

    She has returned to school and that has really helped her emotionally.

    I on the other hand am still feeling the fallout from this.

    We are starting to get bills for her hospital stay, the surgeries, and her aftercare. All totaled, they billed my insurance almost $200,000 so far. My insurance says they will go after the drivers insurance policy for me.

    That is all well and good but I have 80/20 coverage and they are sending me the bills for the 20%.

    I have called a lawyer as 20% could be as much as $40,000.

    I don't have that.

    I have been riding my motorcycle a lot and just trying to keep my sanity.

    I have a lot to be thankful for, especially that my daughter even survived. But, this is likely going to go on for some time. I cannot let it bankrupt my family.

    If anyone has been through something similar, advice is appreciated.
    How old is your daughter Scottie?

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    This is what gofundme is supposed to be for. Try to negotiate the 20% with the hospitals/doctors. Glad to hear your daughter is recovering

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    Check with the hospital. Often, they have ways of reducing what you owe if you work with them. Bigger hospitals actually have someone that has that job.
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    I believe the insurance company is supposed to go after your 20% as well. They should go after the full amount from the other person's insurance assuming s/he is at fault.

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    Quote Originally Posted by Ghost1958 View Post
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    How old is your daughter Scottie?
    She is 17 and a Jr. in High School.

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    So good to hear daughter is doing well. If your insurance cannot get enough money to cover all of her current and future medical bills I suggest you consult a personal injury atty. The first consult is typically free of charge.
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    To add to @oldnfat comment: Personal injury attorney's should work on contingency. If they don't win they don't get anything. If they do win, they get a percentage and that can vary from one to another. If your insurance company's attorney's don't do the job for you that would be the way to go, but check the law and be sure of the statute of limitations on a lawsuit of this nature.

    And if the other person has no money and not enough insurance, you will have to go the route of negotiating with the hospital.

    When I had the accident where a kid came out of an intersection and I wound up with my head making a perfect head size hole in the windshield (and some other damage to me) the kid had very little insurance and my attorney was honest enough to tell me there would be no point trying to get more when there was no more to get. He also didn't charge me a penny for his services. There ARE some good, caring attorneys.
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    Two years ago went through a similar thing with my wife and a car accident.I thought I could handle all the details myself. I was wrong. One word answer... LAWYER.

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    Quote Originally Posted by RScottie View Post
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    I am happy to report that my daughter is recovering pretty well. She is still very sore and has limited motion.

    She has returned to school and that has really helped her emotionally.
    That's really good to hear.

    Chin up, for her. Getting badly knocked about can help strengthen us, assuming we appreciate and learn from all the lessons. Being more cautious, taking fewer things for granted, knowing the important things for what they are, knowing the depth of our own strength and ability to overcome, the love of family and friends ... All good things, despite the bruises.
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    Glad to hear that your daughter is doing pretty well now. I hope she'll recover completely over the summer.

    I don't have any advice but the others have given you some good pointers. Good luck Scotty, I mean that sincerely...this has to be very stressful.

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    My son was a passenger in a crash and was hurt. The insurance company dragged their feet and he was supposedly on the hook for over $100,000. At my advice, he contacted a lawyer. It's been 6 months and not a bill has been paid yet...however, the lawyer said that this is the game they play and my son will not..nor should he..worry about the bills. He was in this accident through no fault of his own and should not have to pay a penny.
    I am so glad your daughter is doing better. That is the most important thing.
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    Since your Daughter was a passenger in the vehicle, the driver's liability insurance should kick in for some relief. With that many passengers the limits of the coverage might be exceeded but I would think you should be compensated to some degree. I did not see if there was another vehicle involved and if there was and they were at fault their insurance should be responsible. In the case of no insurance, your insurance should step to the plate and seek compensation from the driver/owner of the vehicle.

    This is a life-changing experience both for you and your Daughter as well as the driver/owner of the vehicle. I imagine the stress and worry you face is almost unbearable and I pray for a good outcome for you. You have already been blessed as your Daughter is on the road to recovery. Good luck RScottie and keep us posted on her road to complete healing.
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    Assuming you have a KY auto policy, you should have your UMBI/UIMBI equal to your BI limits. Most people way underinsure themselves. We have 500/500/100 and a 2 m Umbrella (the Umbrella does not help in this situation, but the BI limits certainly would apply)

    Under KY law, if the person that was at fault does not have enough insurance, you KY auto policy would pay under the UMBI/UIMBI. Medical payments would also be used for any co-pays.


    See an attorney. If your limits were below those of the injury amounts, you need to go to court and get the money from the individual.

    IANAL

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    UMBI/UIMBI ???? BI????? What is that in English?

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