Not again ..

[sapphire12]

I have been in 2 car accidents in 2 years. Grrr. Both times I was driving 0 miles per hour. Both drivers are insured by State Farm. Everyone walked away, but wow.

All, I know for certainty is I heard/saw a 90 Honda Accord hit the SUV in front of me on the side and then ran straight into the corner of my bumper.

Seeing a car come at you  in the wrong direction and you can't do anything about is not a good feeling. On some level, I didn't panic b/c I knew my vehicle was bigger, but man.

Now, I have whiplash.

After the Honda stopped playing bumper cars, I managed to stumble out of my car. A witness asked if I was alright. I don't know, but what happened. After hearing what happened, I'm thinking the Honda driver didn't see the red car and that started the chain reaction.

The Accord hit three vehicles, mine being the last.

The driver of the Accord was not the owner. He came to the scene. Unfortunately, his Accord will be totalled.

Tomorrow the fun starts with me calling State Farm and getting authorized to put my vehicle in the shop for repairs.

The important thing is I'm okay other than whiplash. I'll get checked out tomorrow.

[Deleted]

Sorry to hear this happened. Glad you seem ok! Yes get checked. And maybe see a chiropractor.

[busymom]

So sorry to hear of your troubles, Sapphire.

I'm a big fan of physical therapy!

[dannylion]

Sorry to hear about you accident. I'm glad you are relatively unscathed. Sending good thoughts for a smooth resolution to your healing and auto repair issues.

[Wisconsin Beth]

Sept 18, 2014 23:09:22 GMT -5 dannylion said:

Sorry to hear about you accident. I'm glad you are relatively unscathed. Sending good thoughts for a smooth resolution to your healing and auto repair issues.

[wvugurl26]

I've had whiplash since February. It's been a long road but I think there is a light at the end of the tunnel. I did a couple months of physical therapy. It got rid of the worst of the back pain. I still had neck pain. My ortho sent me to a pain specialist for cervical facet injections. Pain guy wanted me to try this other stuff first.

So now I'm at a rehab place doing chiropractor, physical therapy type exercises under the chiro's supervision, massage and acupuncture. My cervical joints were all kinds of jammed up. I think I'm moving in the right direction but I'm still not pain or medicine free.

I know it sucks badly. I hope you recover quickly.

[sapphire12]

Thanks for the well wishes everyone!

I went to Urgent Care and I have a good muscle relaxant.

Each day, I feel a little better.

I dropped my car off at Toyota Body Shop and got a rental from Toyota as well. Toyota is an approved body shop for State Farm.

My insurance company will send a claims adjuster out next week. Hopefully, State Farm will have spoken to all parties involved in the accident and take over this process.


ETA: WVU - Hope you recover soon. Whiplash is no fun.

[shanendoah]

My advice is to NEVER wait for the other person's insurance company. Talk to your insurance company, start your own claim, and then let them argue with the other person's company for re-payment.

When it is someone else's fault, you do not get "dinged" for a claim, even if you file one because your company gets reimbursed. However, it lets you seek immediate treatment and get your car into the shop, using the insurance you already know and a company that actually has a responsibility to you.
It also means that if the other company starts to balk, or wants to low ball repairs or whatever, you have the full power of your insurance company (and their legal team) on your side.

With our last accident, the claims agent for my company walked me through EVERYTHING. She also made sure the other company offered us a settlement for pain and suffering and told me in advance about what that amount should be, so that I knew to ask for more when the other company tried to offer less. I have never been in an accident with a settlement before and hadn't expected anything beyond our repairs/medical bills to be paid, so without my insurance company involved, we might not have gotten any settlement, or if we had, it would have been a few hundred less than it was because I would not have known what was standard.

The other guy's insurance company works for the other guy, and has NO responsibility to you. That's why it is always smart to involve your insurance company because they do have a responsibility to you.

[toomuchreality]

I'm glad it wasn't your fault!

I hope both you and wvugurl26 feel fabulous again soon!




I always call my insurance co., tell them what happened and ask if they have any suggestions. Sometimes they do and sometimes not.