Tuesday, November 11, 2008

I want to vent!

I have been missing in action for a few days due to a car accident. My hubby and I were heading back from the flea market last Sunday (11/2). We were approaching an intersection and everyone was stopped so I thought we were okay. All of a sudden, the car to my right pulls right out in front of me! I had no where to go and slammed on brakes but hit him right in the side!
My hubby helped me drive the car to the shoulder of the road so no one else hit us! My seatbelt locked up (which I guess it was supposed to do), my door was caved in, and the dash and steering wheel were pushed up around my knee and foot. When all was stopped, my husband jumped out of the car to try to get me out. It was not happening!
The other driver got out of the car and came over. It was an elderly couple and they were ok. Luckily for them they were in a bigger car.
I had to go by ambulance to the hospital - have xrays, CAT scans, you name it. I got to come home later that night but with my knee in a brace, a crazy shoe on the other foot, neck brace, the whole works.
I understand accidents happen and that doesn't upset me.
But dealing with these insurance companies make me want to scream! He has Nationwide and so do I. So you would think they would look after me right? NOT AT ALL! My car was totalled and they are offering me some small amount for my car. How am I supposed to buy a reliable car for pennies? Not gonna happen. Then, they wouldn't authorize my followup visit to the doctors until I signed a release! I had no intentions of getting a lawyer even though my mail was flooded with lawyers all week.
But I have had it! All I want is to be in the same condition as I was before the accident and they are not concerned with that in the least! These adjusters have been trying to bully me - threatening to take my rental car back stuff like that! I do not know how they sleep at night! They were constantly calling my phones harrassing me for an answer to their "proposals". When I told them I had an attorney, they didn't have much to say after that!
The attorney is the one who is sending me to the doctor to be checked out. I know people say attorneys are just as bad but it is really nice to have someone on my side through this. My husband and I are like sitting ducks. We don't know what is going to happen with all of this and if it is all going to work out but I guess we will just have to wait and see. We have done a lot of praying about it and will put it in his hands!
I am sorry but I just felt the need to vent. I know everyone just needs to do that from time to time!
Thanks for listening!

21 friends had to say:

Jenn said...

Take it from someone who has been there and who is living it to this very day. 1st off, Im glad you werent seriously injured, you or your hubby! And the other couple involved!

This is what these insurance compaines do, unfortunetly there is nothing we can do to change it. You vent ALL you want!!

My accident was on 1/1/07 and they put me through bull EVERY single month for different things, its so bad that my hubby is on high blood pressure pills from it!

If you need to talk about it, email me! There are things Ide rather not write about in here.

jenn_martino@yahoo.com

Linda said...

I am so sorry about your accident. I am so glad it was not worse too. Unfortunately many insurance compies are hurting big time and they are out to save a dollar anywhere - at your expense! It is not fair at all. I hope the lawyer can help you so at least you can get a decent car. hugs, Linda

carolyn at cranberry crossings: said...

I'm so glad that you were not hurt any worse than you were!
I'm sorry that you are going through this.
Wish I had some magic words to help, but I'm sorry that I don't. But I hope you will heal quickly and only have the memory of it left.

Tina said...

You are right, a good vent is just fine.
I'm so glad that you and all involved weren't more seriously hurt

It's a shame that you have to go through this.
I hope this attorney can help get things straightened out.
blessings to you
T

Kath said...

awh Nicole...
Sorry ya have to go through all this crappo w/ the ins. co.!
I'm glad ya weren't hurt badly and that every one else was ok....
good luck...you're gonna need it when it comes to ins. co.'s and claims.....they make nothin' easy that's for sure!


Hugs-Kath

Pam at Antique or Not said...

Nicole -

So sorry that this has happened to you; I know you must be tearing your hair out right now.

Hope tht you start feeling better soon and that the lawyer will take good care of you.

Pam

Trudy said...

OMG poor you and your hubby! I am fighting with insurance company right now over long term disability, and I do know how you are feeling.

Do not cave in, thats what they hope for, and most people who actually need it are feeling to poorly, and desperate and sign off. I am glad that you have gotten a lawyer, he will guide you in the right direction.

Just vent away, whenever you need to, its easier on your blood pressure to get it off your chest, and most probably everyone has had to deal with the 'crap' that insurance companies put upon us at one time or another.

Gentle wooly hugs,
Trudy

Kindra said...

I am so sorry to hear about the accident and the problems that are going with. I am so happy to hear that you are "okay". I can just imagine how your insurance company handling this...it's so sad that we pay so much out of our pocket for insurance and they are not helping when the time comes around. Hang in there. And we are always here to listen.

basketsnprims said...

I'm sorry this happened to you & I hope you are OK. I'm glad you have someone on your side. Those insurance companies can be frustrating.

Pam

Sandy said...

I am so sorry to hear that you were in a accident but thank god it wasn't worst. I hope you heal quickly and all the frustration will stop.

Sandy

Kim~"HomeIsWhereTheHeartIs" said...

So sorry to hear about your accident.

I'll be praying for you and this situation.

Rhonda said...

Hi Nicole. Bless your heart. Glad you are physically doing better. As for the insurance people...good luck with that. One way you might consider making them sit up and take note of you is to speak to your local media...just a thought. Hang in there and take care. And it's perfectly alright to vent.

The Primitive Bucket said...

So sorry about your accident and I'm with you, the insurance companies are out there for you when you need them, they just want their monthly payment and hope they don't have to pay it back to you!! So glad you are okay and able to get around. I hope it all works out for you!! Take care.

Karen said...

So sorry Nicole...one never wants to have an accident for the obvious reasons but also for the reasons you are venting about....isn't it sad how we pay our insurance and do everything right and when it's time for help they try and back off.
Praying things will work in your favor and that you heal completely.
Karen

This Country Girl said...

I am so sorry to hear about your accident and I can imagine how aggravating it can be dealing with your insurance company. When we pay out so much in insurance, we certainly expect them to come through when needed! But I'm so glad you weren't hurt worse than you were!

Tammy

cynthialeedesigns said...

Nicole,
I'm so sorry to hear about your accident and what you are going through with the insurance company.
I'm sure you know that we are all hear to listen...so vent whenever you need to!! I hope that your lawyer will be able help you get through all of this with the insurance company so you can get yourself another car soon.
Take care, Cindy

Tammy said...

Nicole,
I am so sorry to hear of your accident. I am glad that you and hubby and everyone were not seriously hurt. I hope you get everything worked out. Hang in there. Hugs, Tammy

Tomatoe Creek Prims said...

I know exactly what you are going thur, a few years ago a college student ran a stop sign and hit me on the passenger side. Her fault, but from her insurance company you would have thought it was mine! I finally got them to total the car and got another good used one but I never want to go thur that again!
Hope everything works out for you:)
Rondell

AnnaSam said...

Nicole,
I am so glad that noone was hurt and you are alright. And as far as venting....GIRL that is what we are here for! I hope everything works out. Have a blessed day!
Juanita

Farmchick said...

I am so thankful you guys weren't seriously hurt! Of course you can vent and no need to apologize...we are all friends and totally understand! Hugs~~~

Merrie. said...

I am so glad you are okay; I hope those storms did not get near you! You are doing the right thing; after our recent issue with the insurance co I too am wondering why we pay so much to them and then when we need them after years of paying; they act like we are trying to steal something from them. I am so glad that you have a lawyer; yes there are unscrupulous people out there; but YOU are NOT one of them; if the insurance co had acted appropriately you would not have to do this; I hope you are successful and get what is owed to you; they are such snakes! Say hello to Mr. Cain for me ; hope he is well too; you and your DH rest up and get to feeling better!