Don’t think insurance companies aren’t looking out for #1 –themselves. They might be nice and super-polite on the phone, but when push comes to shove, they will try to push you to make the best decision for them.
What they will most likely do in my case -and they’ve already hinted to it now that I’ve re-opened my claim with a pile of documents that they cannot ignore- is to make me an offer for my expenses incurred so far. Then, they will try to get me to sign a waiver or tell me that by cashing that check, I am absolving them of any future liability for my injuries. That would be a very BAD decision on my part -regardless of how bad I need the money. I can’t stress that enough. A life-long injury can be more devastating than not being able to pay a few bills right now!
So, if that’s the case, I will have to turn them down and give them back the check (voided out and torn in half, of course). They may ask what it would take and I guess I would throw something out like 100 times what they offer. So, if they offer $1,000, I will ask for $100,000. At least then, I know I could make enough from that to cover any expenses I might incur in the future. Besides, they won’t give in that easily.
So, I will probably have to wait even longer to get my money back and might have to get the “Insurance Commissioner” involved to get it done. I guess we will see.
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