So a while back Joph and I got in an accident, and when we contacted State Farm, they told us the lady who hit us was uninsured. That day I had gone into the ER and received treatment for a blow to the head, blurry vision and disorientation. They did a CT scan and said it was normal, but advised me that I may have other things show in months, if not years. I have not yet had my follow-up with my doctor, who said he will have to monitor my condition. In the meantime, I get a bill from the hospital for my co-pay and I pay it ($50). My insurance also sends me a letter to sign stating that I am not going to another insurance to claim for the same thing. Since, at this point, I have no other insurance to go to (besides Joph's), I sign it and consider the matter closed.
Late last week we get a chipper call informing us that the insurance has picked this lady back up and that they want to know what I have pending. I tell them the medical was covered under my insurance but the follow-up is still pending, and that I missed two days of work (one from my generic job and one from the side job) that I took without pay. They ask me for the sum total of missed wages, and say they'll send paperwork for my reimbursement.
I look at what they sent me in the mail and it is a long, verbose release of liablity for the other driver, her son, and all associated family, heirs and institutions for ANY AND ALL CLAIMS, INCLUDING INJURIES. No way José. If it means not getting my $350 I'll live, but I won't release this lady from jack. My sister in-law got convulsions from a blow to the head in a car accident, and they didn't show up until a couple of years later, and she had signed a release and so all medical treatment was on her. What happens if I just happen to not have insurance when this comes up?
I realize I may look greedy, but my health is worth more than gold, not to mention the State Farm lady NEVER brought this up to me on the phone. I'm waiting to hear what other offers she has, and see if I need to send in a letter stating that I am still under medical supervision, and will be until further notice. I still remember how scared I was, how helpless I felt, and I'll be damned if I don't cover my bases.
Edited, Sep 1st 2006 at 10:01am EDT by Atomicflea