If I use my Discover card to rent a car, Discover will provide me with a Collision Damage Waiver of up to ,000. Would that count as insurance? Is that enough coverage, or should I buy additional insurance coverage when I rent a car?

My parked car was hit by a drunk driver who fled the scene (leaving his car there). There was a witness but he only saw the idiot run, not the actual accident. The idiot tried to report the car stolen 1/2 hr later. If he is successful and they say it was stolen, which insurance coverage comes into play? I have collision and comprehensive but not uninsured motorist coverage. Also, if he is found to be responsible but does not have insurance, would my collision/comprehensive cover that?

I tendered my written Letter of Resignation (30 days notice) from my job as a Contractor in Kuwait last week. I was subsequently involved in a traffic accident while being transported to work in a company provided Leased Bus. I sustained injuries which included a Shoulder Dislocation and Lower Back Injury. I am currently out of work on Medical Leave. Should I withdraw my Letter of Resignation pending the outcome of my medical recovery or does it matter as far as insurance coverage and Worker’s Compensation Claims are concerned? Hope there is someone out there who has had such an experience. Thanks!

I am a foreign medical graduate. Having finished my medical training I have been doing my graduate studies in health promotion and applying for residency training for a position that begins in June 07. I am curious if I can do a brief clinical training and also be provided malpractice insurance coverage for the same? I have done observerships in the past with attending physicians (with no or minimal hands on clinical involvement).
Is their a company which provides ‘brief’ insurance coverage to foreign trained physicians? I would appreciate insightful answers.

I saw a chiropractor for the first time on Monday, ever since then I have had horrable pain in my back. I have gone to see him everyday since. Is it possable that he hurt my back? I had never seen a chiropractor before. He has only "ajusted" my back that one time. I went to see him because I have had lower back pain since I was pregnant (which was 4 years ago), and I finally got good insurance coverage, and couldn’t stand the pain anymore.

I felt fine after I saw him that day, but then the next day, and days after, I have been experienced burning down my spine, numbness & tingling, and pain in random areas of my back.

I am a CNA, so lifting, bending, turning, and twisting are a part of my daily routine. I did not injure, or have I ever injured my back at work.

I guess my question is, has anyone else had a similar expereience seeing a chiroprator? If so please explain.

He is a nice guy, but kinda treating me like I am faking it. He even made me get my back x-rayed.

Right before I lost my insurance coverage I went for an MRI and they found a bulging disc in my back touching my spinal cord…has anyone ever heard of this? I havent been able to go back and I been having pain………. any treatment or know anything about this?

I am supposed to be having lumbar medial branch blocks done for a possible facet joint injury. I need to know how much this procedure costs without insurance coverage helping to cover any costs.

i met with an accident in the parking lot of a shopping center when the car i was parking accidently hit the showroom window. an employee has filed a personal injury suit against me. i have insurance coverage of 15k. can the judge grant a higher amount and if so what will happen if i cant afford it?

My husband had a motorcycle accident on 3/2/08. We hired an attorney and they have been doing their thing.

The accident was NOT my husbands fault. The person who hit him was 18 years old and was under their parents insurance. The person who hit my husband only had 000. worth of insurance coverage for injury. The motorcycle my husband was driving did not have insurance yet. (Our stupid mistake)

The lawyer called my husband earlier today and said that if we settle now, we will get 500 total… and we’d get it pretty quick. Or we can wait (probably about a year) and we could take this to court where he (the lawyer) is sure we will get a bigger settlement, but he says that we may still only get the same amount as if we had settled now, because the rest of the responsibilty to pay would be on the family of the person who hit us. He (the lawyer) says that they can just file bankruptcy and then not have to pay us at all. Is this just how it works?

My husband was very seriously injured. He still cannot work and the Drs. told him it would be a year or more before he is able to go back to work. If we settle now, that amount wont even cover his salary that he was making for a year! How is this fair and is there anything we can do to get what we deserve in this situation?

We don’t want some crazy amount of money, but we were a 2 income family. We have done a tremendous amount of work to be able to scrape by so far with only one income. We will soon have to start selling stuff that we own just to keep up with our monthly payments. (And we don’t have debt besides one car and our house… this is just for our reg. monthly payments for utilities, morgtage, and such… no credit card debt or anything like that.) Not to mention the stress that we have had over the past 6 months… and the stress that is yet to come.

If anyone has been in a similar situation and can offer some advice it would be much appreciated! Thanks in advance…
Thanks libertyman! I did need that, as it was a ? that was running through my mind too!
I AM worried about future medical payments. My husband still has a few surgeries ahead of him and I want to make sure he will be covered for all of it.
I have tried SSI and we have too many assets at this time. You have to lose pretty much everything and live in a shoebox before you can get SSI. (Which doesn’t make sense since they take it from you weekly weather you like it or not.) We have filed for disability for him but was told it could take up to 2 years before we’d hear anything…

late july 06 i was in a car accident with a man and his wife who ran a red light and hit the passenger side of my car. he hit the whole side of my car and broke the axle and ruined just the whole car out of whack! i had a witness who stopped to help he was going the opposite way of me so we had the same green light and stayed with me until the cops came. he did get a ticket for running the light. i did go to the hospital and went to physical therapy for my back and i got a hold of a lawyer, they said the car was fully insured but it wasnt his car and his name wasnt on the insurance coverage and theres really nothign they can do!!! is that really serious!!! this @#$$# ruined my car and he doesnt have to pay for nething????!! the lawyer takes forever getting back at me so what should i do?? help please! i havent driven that car cause im waiting for it to get fixed and the passenger door cant even open its getting the transmission redone 0.00 had the right wheel axle thingy5!!!

I was injured in an automobile accident when my daughter & I were out on Mother’s Day (2008). The other driver was faulted for the accident & I was the passenger in my daughter’s little Kia Spectra. We were T-boned on the passengers side & my head was slammed into the seat belt adjusting mechanism as well as my back was twisted (I later found out that I had an annular tear with few treatment options if any). I was promised by my attorney that his firm had a doctor who would see me with or without insurance & he later said that the doctor no longer accepted patients w/o insurance. My injuries were never treated (after I left the ER) but I did keep an accident journal of what the injuries caused me on a daily basis. When I asked my lawyer if he had received the updated copy of my journal, he said "YES". How could he, I never sent it?
He also made the settlement proposal without first discussing it with me, he asked for the ,000.00 Med Pay that was available on my daughter’s insurance coverage, why not the Med Pay coverage from the person at fault? My lawyer also became a doctor over night & told me that he felt that further medical attention for my injuries would not help my case due to the fact that I had a previous condition (brain tumor) and that this would more than likely be used against me. It didn’t matter that I was honest about that fact up front & it didn’t matter that the side of my head that was slammed into the seat belt adjusting mechanism, was on the same side as the surgery to remove that tumor and that since, I have not had a day where I I haven’t had to take prescription pain medicine just to try to dull the pain. The injury site was right on the plate that is in my head.
Throughout all of this, I continued to care for my terminally ill mother & she was hospitalized on the 21 of January (2009) & passed away on the 25. Believe it or not, it was during this time that my lawyer called me to let me know that the insurance company of the man at fault had submitted an offer & I was strongly advised to take it. I felt as if I didn’t accept this offer, I would be compensated at all. This, based on what my lawyer said to me.
We met today and against my better judgment, I signed papers and One of them was the ,000.00 Med Pay check made payable to me from my daughter’s insurance provider, my lawyer said that it was to go to pay the medical bills & that he would pay them. Am I out of luck just because I signed those papers? Is there anything that I can do go after the lawyer for misrepresentation or misconduct or something? He never sent me to a doctor and he lied about receiving the updated journal & he made proposals without consulting with me and he advised me (indirectly) against further medical attention and he went after my daughter’s Med Pay instead of the one who was faulted for the accident.
What can I do now? Do I continue with my accident journal? Help!
I honestly feel as though my lawyer has taken advantage of the fact that I have just lost my mother. He never once called me, I always had to call him. His call finally came the day after I lost my mother and I had called to check the progress of my claim. After he found out about my mother, I had a settlement offer in 2 days. does this sound suspicious?
My daughter just reminded me that my lawyer also failed to contact Kia due to the fact that the side impact air bags did not deploy. I did inform him of this in our initial meeting.
Maxmom56,
I can appreciate your response to my situation but can you appreciate the stress of the situation that I was in at the time in which he finally contacted me? I was the sole caregiver for my mother, responsible for 2 households, a full time college student, constantly in & out of I.C.U. with my mother while trying to survive college & life and then I had my mother pass away. I am aware of the reputations that many believe lawyers have earned and many would say that I found the "cream of the crop" in the one I ended up with, but is there nothing that one can do when they have been taken advantage of in such a disrespecting manner?