Hello, I live in Virginia. I was in a Car Accident that didn't involve any serious injuries besides whiplash. Insurance co. found their driver at fault and accepted full responsibiliy(I was hit sitting at a red light) Today I ment with the insurance co and they offered me 300.00-since I wasn't seriously hurt I accepted just wanting this to be over with. WELL today my passenger also had his meeting with the insurance co. just at an office closer to his home and he was offered 500.00 from the start. He hasn't seeked any medical advice either-same as me. I was hit in the rear passenger side and it was my 2009 car! Needless to say I have been calling the agent and leaving messages all day and of course no answer or call back from her. Today when I signed the agreement she showed me on the paper that said that in 30 says as long as I bring the check back uncashed I can change my mind in VA. I plan on seeing a Dr. tommorow after all of what I think is a pinched nerve. What can I do?
Attempted contact with agent all day by phone and email after I found out my passenger rec. more. Left messages and secretary said she was in the office. I want to bring the check back and see a Dr. I also want to know why I was told 300.00 was all she could give me and my passenger walks in the door is given 500.00 from the start no negotiating.
Hi and thanks for using Just Answer
sorry to hear about your situation.
From the information your provided, if in fact the document you states indicates thaty you can change your mind within 30 days so long as the check was uncashed, I would advise that to consult your doctor to inquire if you will need treatment on your injury. If in fact you will need additional treatment and the injury is more that you initially considered, I would ask the doctor for a narrative to his findings and contact the insurance representative and advise him of your doctor's findings. If your doctor has positive findings, maybe the adjuster will consider giving you more money to resolve the matter. If not, I would strongly advise that if you need additional treatment that you contact a local attorney who will review your case and work to protect your interest and get you the settlement which is more in line with the actual injuries suffered if that is the case.
However, time is of the essence, the quicker you are able to gather the necessary information the better.
Hope this helps
have a great evening!
Please remember to press ACCEPT
I also ment to say I was hit in the rear DRIVER side not passenger. One more question-why do you think my passenger was offered more? Ignorance on the insurance co? I am accepting your answer-thank you.
Well as a former claim representative at a major insurance company, they normally have a unit called early settlement unit which targets unrepresented low impact accidents. Normally, those claim reps are given a set amount of authority to settle the claim early. In New York where I am, it is usually $3,000 - so in your case, it just depended on how the claim rep negotiated the file. Some claim reps start out offering $500.00 and some low ball just to see if they can get it settled even lower. Unfortunately, there is no clear science to negotiating a claim just different reps with different approaches.
Hope this helps
Have a great night!
10 years practicing law
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