Well, I finally got the initial settlement offer from my ins co regarding my hit-and-run accident. I will be soooooooo happy when this is all over with, but the initial offer seemed too low. Sadly, my primary source of info and guidance on this matter has been my cousin, and as you all know she's in no condition to offer me any further advice. When I received the offer yesterday though, I tried to channel her - to think what she might tell me to do. I also googled it! From what I can tell, first offers are always low and they just hope you'll be either so desperate for money, or so desperate to be finished with everything, that you'll just take it. Believe me, part of me wanted to do just that so that we can finally close the book on the majority of the nightmare.
Instead, I spent 30 mins or so composing a response, thanking them for their initial offer and explaining why it was too low. I highlighted the lingering issues around one particular injury that has not fully resolved, and the low-grade but ever-present anxiety I still feel while driving. It's enough to cause me to adjust my routes to minimize the occurrence of things that trigger me. Since I was initially rear-ended at full speed (I was stopped at a red light, the driver who hit me didn't even slow), I mostly get anxious when I'm in that same situation and someone comes up behind me at what I perceive to be a fast speed. It still makes me hold my breath and brings tears to my eyes at times. Some days I just can't do it at all and I turn around and go home.
I highlighted all of that. I also asked my adjuster to please detail how he had arrived at the initial offer. No such details were included in the email yesterday. I'm sure it's based on some sort of calculation, but I want to know what.
I respectfully requested a second higher offer.
We shall see... I'm so fed up with this ins co I don't expect anything, but I had to at least try or I'd be kicking myself within a matter of weeks. Cross your fingers, wings, toes, and send out all good vibes through the universe to me please. I could use some good news as we move closer to the end of this horrible year.
I'd love to be able to send word to my cousin that I got a good settlement before she passes. Even though she's in her last hours or days, I believe she'll hear it if someone tells her. Why not send her off with one final victory.
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