>Thanks. Just really sore now. The swelling has mostly gone down. I have pulled ligaments and muscles. My insurance company was great as far as the vehicle goes. Since the other driver was at fault and ticketed by the police, her insurance policy pays. However, she has the same insurance company I do. My insurance company is great for sticking up for the insured that is found at fault. In this case though, they have to pay me so I am basically the enemy. They sent a rental car to my house the very next day and paid for it. They also totaled my car and I pick up the check today at noon. This is all within one week. Absolutely terrific claims service. Now the problems come into play due to bodily injury. My insurance has to pay regardless since we both have the same insurance company and they are groaning and griping about my medical bills and they made the mistake of trying to intimidate me the day after the accident. This was definitely a mistake since I work for a large
> financial institution and an insurance company and I write computer programs for the insurance industry. He insinuated (just doing his job I know) that I would get nothing except what he felt I deserved. He also implied that if I employed an attorney then I would get nothing. He then gave me the standard lecture of how concerned they were for my welfare and knew that immediately following an accident the victim is typically strapped for cash and he offered me a check on the spot (as they always do) which was less than half of my doctor's bills (still to be completely determined) and wanted me to sign the waiver. Had it been equitable I might have, but not until my medical treatment is complete regardless. No dice. He insinuated that I was not intelligent enough to do the right thing. I ended up getting a lawyer simply because the adjuster for the bodily injury I met with was such a jack_ss.

Hmmmm. ALthough I haven't been injured in an accident I've twice in the last few years had some truck with my ins. co. First vandals smashed up my car (using a stolen car) because I'd had the affrontery to ask them to slow down in the street (I was fixing my dislocated wing mirrow at the time, as it had beeen knocked off by them the night before, so they knew my car). The next time (a different car) a Rav4 4X4 came out of a side road and I dented in my wing (fender?) along the Rav's front corner. My wing was all pushed in but the Rav suffered no more than a scratch in the rubber of the bumper.

Anyway, both times I had promises of courtesy cars, and doorstep delivery, etc., but both times the adjuster estimated that the cost of the repairs was more than the worth of the car, so I was fobbed off with a lousy cheque for the cars' current values (less the voluntary excess in the policy).

Insurance companies - I LOVE 'em!

In the UK, of course, there's no worry about doctors' bills (you just die on the waiting list! :-)

Get better :-)