I was planning to stay relatively quiet regarding this topic out of respect until your latest post, William.
I really lost some respect for the members of this forum while reading the responses to this thread. Assuming I am being sissy? Really? Are we not on the Mr. Money Mustache forum?
It sounds like those of you who have not been in an accident like this have nothing positive to say and please feel free to ignore this thread. Those of you who have given sound advice, I appreciate your time and thought. Going through this process can be scary. Early in the claim it seemed like my only ally was the lady at fault's insurance company. That is definitely not the case. All Progressive wants to do is get rid of me with as little cost to them as possible. They play dirty at times so maybe my original post read a little like I was getting angry with them (which I am).
Perhaps I left too much emotion out of my first post. I feel emotion is relative and a thread like this should be much more about the facts than my measure of personal grief inflicted. I came looking for advice on what I should expect to be compensated for this claim. While not greedy, I do not want to foolishly accept the first number they give me.
Seriously some of you? Assuming I'm making things up? "Deserve." I'm sorry, maybe I should have used "demand" or "get away with" or "make off with" or "cash in on"!
Let me first say that
I am somebody who's been in a major wreck. I nearly lost a leg from it and was in hospital for nearly a month, and it snapped my father's neck (C1 fracture, for the record - miraculously un-paralyzed, but there was nerve damage). We were t-boned. Someone ran a stop sign and hit our car at 65MPH, we had the right of way. Needless to say, the car was totaled. This was nearly 20 years ago, and I sustained damages in that wreck that haunt me to this day. I was also in a rollover crash from a bad brake job as well as rear-ended about a decade ago, both times I was largely unhurt, and the car just barely squeaked in under the limit for repair versus totaling out. Neither time did I even
consider claiming personal compensation as I was at most inconvenienced for a few hours dealing with getting rental cars as the injuries didn't keep me away from work. I just wanted to get that out of the way before I type what I am about to.
I completely agree with what Jamesqf said, but I'm going to take it one step further. I had kept up and read your posts, and
your other thread on the subject... and you'll have no sympathy from me, especially given how you've presented your case and gone through the entire process with a sense of entitlement worn like a chip on your shoulder to the point that you sound like a Dan Davis ambulance chasing shill. Throughout this entire mess, you've been your own worst enemy stressing out over the entire mess, and that's nobody's fault but
your own. The impression you're leaving with me is that you're too high-strung. Stress kills, man. Unclench.
Son, you apparently only needed some chiropractic adjustment. You were able to come on these forums after the event happened and seek guidance on claims adjustment very clearly and coherently. You may have complained about not being able to sleep due to some discomfort, but the way you're freaking out about it in a hostile manner and trying to inflate your pain and suffering is a little embarrassing. I do think you deserve
something if you're needing joint re-alignment from soft tissue damage, and I think that amount should be appropriate for what's actually needed for recovery, but you're contributing and feeding that damage making it worse than it needs to be by not letting the situation go. You sound like a very angry man with this... relax. Forgive the driver, let Progressive be Progressive, let your body heal, and take advantage of the time allowed to finalize. The process is only as scary as
you let it be. I understand getting keyed up and emotional after big events, I know what stress is like... but you've nobody to blame for that but yourself as only
you can control how you react to things. Take it from someone who's been where you are, and worse, and gets that sort of headspace you're in currently. I'm not saying it'll be easy, but learn to let it go.
Be thankful you're alive and largely unhurt. Be thankful you were physically able to return to work at all the next day. Be thankful that the person who hit you had any insurance at all. Be thankful that you can handle this situation yourself. Be thankful that there's an entire community here who's willing to help you and tell you inconvenient truths about your situation to try and help you through this process.
I want to see you happy and well as much as the next guy, but you need to have a reality check about your situation. Relax.