Reader’s Question:

I was rear ended in Livonia, Michigan (where I also live) last week it was not really my fault. I do not have collision coverage and I suffered neck and back pains and my vehicle has been totaled. What should I do now? The other driver’s insurance provider is offering to pay me only $500 for the damages. Is this all I can get?

Gary

Livonia, MI

The same thing happened to me a few years ago. We had to go into a settlement negotiation. Here is what you need to remember:

1) Negotiate. Do not take their initial offer to pay for the damages. In my my case, they end up paying for doctor, and all medical bills.

2) Do not take the $500 amount that is being offered to you yet. Insurance providers will try to settle immediately, by offering a lump sum and having you shoulder any future damages.

3) It may be a rear end collision that would seem to have not much damages but it is possible that the injuries or damages will take about a week or two to become evident. In my case it took about a week before I felt back pain that lingered for two months, missed days of work and had to go through therapies. You must wait until you have a good idea of how much damage becomes evident like I said.

4) Make sure you document everything including all the medical expenses specific details of your pain you are experiencing. This would help you strengthen your position when you file for car insurance claim..

5) You probably should consider seeking legal help and ask an attorney before you negotiate a settlement, if this develops into a significant amount of money. Get advise from a lawyer on how to approach the negotiation.

6) Lastly speak to your own car insurance carrier in Livonia, Michigan, who may act on your behalf during negotiations.