Friday, January 10, 2014

Another one bites the dust...

There are 3 insurance companies in this story. The first was the car insurance company for the car I was in at the time of the accident.

It was a long time before they got my claim, maybe more than a year. Yes, I thought the whole concussion thing would blow over and heal itself…the way doctors said it would. And it did not. And so I filed a claim.

Well they dug right in. Insisted on proof from a neuropsychologist. Meanwhile they were pressuring the policyholder, using fear tactics. (Hard to believe, I know.) Saying that the humans involved were liable for my claim, instead of the company. Putting them up to pressuring me.

Nice, right?

When this company finally got their proof they offered $5000. For my brain. It turns out getting the right lawyer, one who knows brain injury, can be quite effective in this type of situation.

Meanwhile everyone was so stressed that a key detail of California law got buried. In this state if an insurance company offers any amount lower than the maximum amount covered per person, and as a result there is a lawsuit for a lot more money, the policyholder is not liable for any damages. The insurance company is. This is to protect California consumers from insurance companies who cheap out and refuse to pay claims.

Eventually with the right lawyer and a thick case file and a lawsuit, this part of the story had a happy ending.

Here's the kicker…the insurance company in question (its name includes the number 21) was our insurance company too. For 25 years Danny had been giving them money. Paying them to behave like this. He was loyal to them and it took some convincing on my part to get rid of them.

As of today, they're fired.

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