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Totaled :(



Any specific insight I could offer would be negative but also irrelevant since we're in different states. Put your waiting shoes on. If you are hurt badly, talk to a lawyer now. Be sure your ins has the witness' contact info. Review your policy. Stay away from work completely until healed and cleared. Nobody can do anything before the police report is available. I normally go to the station and buy it then forward it to my insurer immediately which is faster than them ordering it and waiting on mail.
 


I had a follow up appointment today. At the ER they took x rays of my shoulder and my hand. The radiologist said it looked like there was a fracture in my hand as well as the collarbone. The doctor said the hand was fine.
So at today's appointment, my general practitioner didn't like that my hand was still swollen so she had another X-ray done. Turns out there IS a fracture. This is gonna get interesting.

But more on topic, in my situation, Minnesota's no fault status just means that it's not up to the officer to determine fault. Both insurance companies will undoubtedly find that he was the responsible party, and hopefully it'll work out favorably.

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Looks like the GP held up well.

As for medical, don't agree to anything or sign anything until you are totally healed and back to normal activity without lingering pain for 2+months. Don't commit to what is wrong, how you are feeling, etc. Don't tell them that you had pain, arthritis or anything before. I was lucky to get similar advice when I was hurt in an accident. It saved me from making missteps and giving the insurance a chance to screw me. Save every receipt and statement you get for this whole thing. They will need to reimburse you plus pain and suffering. Keep a little notebook with notes of time spent going to the doctor, things you have missed because of the injury, etc. Did you have to hire someone to mow your yard, work on your car, etc because you are unable from the injury? You may not get anything specific for it, but it will help you negotiate later.
 
If the other guy didn't get a ticket at the scene thats bad. If you don't have a witness, thats bad. Sorry to hear about the hand, where did it break / crack?
 
That GP took the brunt of the hit. I got t-boned going through a stale green light here in NY where we have No fault also.. Your insurance pays the bills, then goes after the other insurance if they are at fault at all. I did get a lawyer but also it was 100% the girls fault, pretty much because a cop witnessed it and she got a ticket. I pretty much got lucky.. Just be honest and straight forward. Dont give more info than you have to.

Hope you have a quick recovery man :th_dancingsmilie:
 


Glad your not hurt.

I'm going to say this...and I really don't like saying it, but Lawyer up now. If you don't want to be screwed on the medical part, LAWYER up now. This old guy clearly doesn't care about you or the accident so MAKE HIM CARE.
 
I had a very similar situation happen to me on January 30th while driving 2006 Grand Prix. Someone failed to yield at a stop sign while I was driving on the highway and they got t-boned at 40mph. I have a fractured radius and ulna in one arm, and they are very likely going to have to operate on my other shoulder soon. And to top it off I have two bulging disks in my back from the accident also. You definitely want to do some research on good personal injury attorneys in your area, and go talk to a few of them. Especially with the injuries you received..... you will be very glad you did. Do not give the other insurance company any statement of what happened in the accident. They are just wanting to find some reason or argument that they can pin the fault of the accident on you, if you get an attorney they will handle everything on the injury/lost work and wages/arguing with the other driver's insurance company. You will have to handle and hash out the property settlement (your grand prix's value) with the other insurance, but you can prepare yourself for that. Have you done any work to the car recently, or have any aftermarket parts? You can use receipts to show the other insurance that your car is better maintained and in nicer condition than your average grand prix's. Go get quotes from local car dealerships on similar year/model grand prix's on out-the-door prices, so you can show them what it's going to take to replace the car. Remember, a settlement is supposed to get you in the same condition and quality of car as what you had right before the accident. You wouldn't be in this mess if it wasn't for the negligence of the other driver!!!! I also live in a no-fault state, but that does not matter in our cases because the other drivers were clearly at fault. Especially if the other driver was issued a citation at the scene. Being a no-fault state means that your insurance must pay for the first part of medical expenses (most insurance policies have a $3000 p.i.p. limit) and lost wages from not being able to work. The next form of money come's from the other driver's liability limits. As he's 70, he probably has pretty decent coverage. So you are looking in the range of $100,000-$250,000 worth of coverage from his policy. Then if there are any remaining expenses (and I hope you have a good insurance agent who wrote your car policy with underinsured motorist coverage) they will fall back on your insurance company. That coverage usually matches your liability limits, so you are looking at another $50,000-$250,000 worth of coverage depending on your policy and if you have that coverage. I have some experience working in the insurance industry, and am going through the same exact process right now. If you have any other questions feel free to ask.
 
I'm strongly considering legal counsel as of now. I'd elaborate, but typing is hella hard with one hand. On a related note, I'm a software developer. Work is all but impossible.
Thank you everybody for the advice, and Grand Prix fanatic, I may send you a message once my fiancee gets home and can be my scribe.

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Glad you're basically ok. Broken bones suck but heal. They're gonna total your Grand Prix. My wife's 04 CompG got backed into in a parking lot, headlight, fender, hood, header panel, bumper cover needed replaced. They totaled it I got about $4300 out of it. But I'm in NY. Lawyer up and get the guy for as much as you can. He clearly gives zero ***** about the accident. So like someone said above, "make him care!" Good luck. Hope you feel better soon!
 


Of course you should consider legal counsel.. With the injuries you sustained and the severity of the accident, by all means go after what you rightfully deserve. I wasn't in nearly as a bad of an accident as this and still went after pain and suffering because of the impact it had on work and life in general. I totally agree that now a days, people sue for stupid reasons, but this WILL impact your life for the foreseeable future.
 
I did just receive an amount for my car. It was substantially more - read: twice - what I was expecting for it.
The biggest thing for me is the confusion involved with pain and suffering. In MN, to pursue it, medical bills much reach $4,000. Which, there was an ambulance and two fractured bones involved. We're there. Auto portion of the claim is decided. Medical is still up in the air. Then after that's done, pain and suffering? I do have a legal contact already.

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**** man, that sucks. Glad you're okay for the most part. Looks like the car did it's job and kept you out of an extended hospital stay or worse yet, a pine box.

See thread here; I understand your situation: http://www.grandprixforums.net/threads/40290-Racebalt-is-no-more-yup-totalled/page6

My ambulance ride alone was over $3k. (so don't worry about costs...once a bone is fractured or broken, everything escalates) And I went about 15~ miles. Had the hard board and neck brace. I still have nerve damage in my neck and upper back...and made out okay for the most part after everything settled. Girlfriend broke her collarbone, had severe whiplash and lacerations from the seatbelt. I actually tore the seatbelt clean out of the body of the car upon impact (bolt sheered straight out)...we hit a Silverado that rolled into the intersection. Guy was a 4th time offending DUI driver, who is now in Leavenworth Pen for quite some time.

But like everyone else said...I'm glad I lawyered up when I did. Because his fly by night insurance company barely even wanted to pay for the car, let alone the medical bills.
 
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