
Deborah of Dallas, TX on Aug. 28, 2011
Satisfaction Rating1/5
I t-boned on driver's front quarter panel/door on November of 2007. The statute of limitations is running out and they are still only offering less than BCBS has written, demanding subjugation for their out of pocket.
I had a torn left deltoid, front chest, some kind of cyst in the rotator cuff, and sideways whiplash to my neck which I am still being treated for.
They threatened me against getting an attorney as that would affect my "offer" and they tried to send me to a 2nd opinion 3 years later and wanted me to drive 56 miles RT to Cedar hills, TX 75104! The company letterhead advising me of the appointment was North American Consultants (.com) and they specialize in proving Insurance Fraud on Low-impact Accidents! Look them up; they actually use PI's and video tape people to prove they are lying!
I live off Central at Meadow. There are over 90 Orthopedic Surgeons/Physicians within a 10 mile radius, not to mention, Medical City and Presbyterian hospital which are both within 1.5 miles of my house, along with several buildings with Orthopedic Associates, etc. occupying the entire building!
I finally got a lawyer friend to send me to someone. She wrote a letter and they upped their offer to 10k. With her fees and Blue Cross Blue Shield's insisting on subjugating their expenses should I be awarded any dollars, it would leave me even further in debt. LOL!
I have a Dallas Police Department report that states the other driver was 100% at fault. It states, quote, "Driver Unit 1, by his own admission, was traveling between 50 and 60 mph in a 35 mph zone. As Unit 2 entered the intersection, driver Unit 1, who was speeding, swerved to the left and locked up his brakes. Unit 1 collided front right to the left front quarter of Unit 2. Unit 1 left 105 feet of 4-wheel skid. I/O, using a drag factor of 0.65 calculated a minimum speed of 45 mph prior to impact. The amount of post skid damage to both vehicles supports driver Unit 1's own statement that he was speeding. Had Unit 1 not been speeding, Unit 2 would have had enough time to clear the intersection safely".
I have copies of the report in total, and get this, Nationwide, with no need of subpoena, even testified at my divorce/custody hearing that I was innocent and just "in the wrong place at the wrong time".
They claim I went 16 months without treatment. No, I didn't. Their representative gave me a number for a chiropractic guy who spent more time with her on the phone guaranteeing payment than he did with me. He just stuck me in a room on a machine and hurt me worse. I called Ms. ** immediately and told her, under no uncertain terms, that she was not to pay him, and she didn't.
She did pay the final amount off my PIP after the 2nd opinion in 2010, reimbursing me for other expenses. I was without treatment for almost a year. I lost my Insurance due to the high monthly premiums and was ordering pain medications through Canada (over the counter in that country - Tramadol),\. Also, I was under the care of my shrink and was on Cymbalta or Effexor (took both during the last 4 years) and they are advertised and known to alleviate chronic pain.
I have the MRI's, all of the billings, and was just awarded over 68k by the Federal Government for disability retroactive to 2007. Also, I am now receiving disability and Medicare and can get more effective treatment, but I did pursue relief/treatment consistently throughout the entire last four years.
The statute of limitations runs out on November 16, 2011. I have a good case. I have 100k in uninsured motorist and their refusal to help me over the last few years, their threats, etc. leaves the door open to treble damages. Please, please, please find me someone who can/will file this case before November 16, 2011 or they can, again, get away without taking care of a customer who has paid premiums on time and in full for over 17 years!
There is more to the case than just the above but that is the basics, and more to the point is the truth. I have documentation to back up everything and even a witness to a phone conversation (mostly on speaker) wherein the agent's threatened me, lied, etc.
Please, help me. My poor daughter, 17 now, has had a mother who was in bed for almost 2 years because of this. I have been denied even the ability to mother my child, had to quit college again, and went into a deep, deep depression and have doctor's information and information from the disability courts also.