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Westy

the teste
Nov 22, 2002
56,222
22,257
Sleazattle
My dog got cured of cancer including major surgery for less than $1000. He probably received better bedside care than I have ever gotten.
 

IH8Rice

I'm Mr. Negative! I Fail!
Aug 2, 2008
24,524
494
Im over here now
My dog got cured of cancer including major surgery for less than $1000. He probably received better bedside care than I have ever gotten.
you got a helluva deal then. my brother spent a ton more than that to not have his dogs cured of cancer.
 

dante

Unabomber
Feb 13, 2004
8,807
9
looking for classic NE singletrack
After reading this thread I can't believe that a) WI only mandated auto insurance *last year*, and b) that our Republican Governor/Legislature just *lowered* the mandatory insurance limits.

I was in a car that was hit from behind by an uninsured motorist a couple years ago... 16yo girl, driving her mom's car, and wasn't paying attention and didn't notice that the traffic up ahead had stopped. Thankfully everyone was ok, and the family covered the cost of the Jeep that was hit, but... If someone had been injured, her family could have lost everything.
 

mantispf2000

Turbo Monkey
Aug 9, 2001
1,795
246
Nevada, 2 hours from Mammoth
Yep, our medical costs/billing in the US is screwed. Younger daughter was at our work clinic, had a seizure, ambulance transport to ER on other side of town, total bill about $6500-ish, but with my work insurance, was brought down to about $1500 because of their payments and preferred provider discounts. Which leads to my question--

If the provider is going to discount already high costs because of a particular insurance coverage/contract, why is it so much higher if you don't have the insurance to begin with? That, to me, makes no sense..................
 

jonKranked

Detective Dookie
Nov 10, 2005
89,235
27,427
media blackout
Yep, our medical costs/billing in the US is screwed. Younger daughter was at our work clinic, had a seizure, ambulance transport to ER on other side of town, total bill about $6500-ish, but with my work insurance, was brought down to about $1500 because of their payments and preferred provider discounts. Which leads to my question--

If the provider is going to discount already high costs because of a particular insurance coverage/contract, why is it so much higher if you don't have the insurance to begin with? That, to me, makes no sense..................
here's how the health insurance industry works:

everytime anything happens, and a medical service is provided, insurance company executives have a circle jerk and ejaculate money onto each other
 

ALEXIS_DH

Tirelessly Awesome
Jan 30, 2003
6,233
861
Lima, Peru, Peru
A friend of mine broke his nose/check bones. 3 weeks in the ICU and his bill was $226k.

I have $500k liability on my car insurance, the US is retarded with medical and lawyer bills.
no ****!.

when i lived in the US, i fuxored my shoulder riding my bike... and had to wait THREE WEEKS to see an specialist covered by my insurance, after being referred by a GP doc.

Another time, i was depressed and had to see a shrink. Wait time was 1 month.... couldnt wait, and had to jump the rope, and paid $300 out of poclet for a 15 minute talk and a SSRIs prescription, from a private practice Doc (which seemed more like prescription-mill).

when i need to see an specialist here, any specialist... i walk in the clinic and wait no longer than 2 hours (including admission, insurance paperwork).
my insurance is $80 a month. Co-pay is $10.

i think part of why americans are so screwed, is because Doctors are, and are artificially kept, scarce in the US.
 

jonKranked

Detective Dookie
Nov 10, 2005
89,235
27,427
media blackout
i think part of why americans are so screwed, is because Doctors are, and are artificially kept, scarce in the US.
see my above comment. it's the insurance companies that have ruined everything. my aunt used to run a very well reputed pediatric practice. insurance costs got so high that it was no longer financially worthwhile to keep it open, so she sold it and went back to working in the ER.
 

TheMontashu

Pourly Tatteued Jeu
Mar 15, 2004
5,549
0
I'm homeless
Actually something very similar happened to me about 8 years ago. (It might even be documented here, come to think of it)

But right before I moved to Seattle, I was in an accident in Vermont near Jay Peak. A guy had stopped in the middle of the two-lane highway, about a half mile ahead of me. I can see his brake lights. I start to go around him. As I do, a ski bus is in the oncoming lane. (Far enough away...not a near miss). So I pull back into my lane and start to slide....as it had just started to snow and the road became slippery. Truth be told, the whole thing was not my most brilliant move ever. I was trying to put it into the ditch on the right, but I had lost all traction by that point, and ended up hitting the guy who had stopped. No-one was hurt. My mom's jeep that i was driving at the time didn't do so well. But the pickup I hit only have bent bumper and a small ding in the tailgate.

Anyway, I got a ticket for "following too close".

Fast forward to about 2 weeks before the the statute of limitations was about to expire. I get a call at my desk at work. "you're being served for...."

Ultimately, I was deposed in a Seattle law office. The whole thing was settled. The guy got $80k out of the insurance co, (who I was no longer with).

I later learned (and maybe I'm remembering it wrong), that I made a strategic mistake when I got the call about being served. I didn't know that I should not have "accepted" that I was being served. My lawyer said that they probably would have missed the statute of limitation had i refused. I don't know how these things work.

But ultimately, it didn't intrude on my life too badly. A lot of annoying email and a trip to a Seattle law office.
The filed 2 weeks before the deadline, the papers were delivered almost 2 months after
 

TheMontashu

Pourly Tatteued Jeu
Mar 15, 2004
5,549
0
I'm homeless
why am I not suprised that the Monatashu is one of the hords of rubbernecking tards that ties up the roadways by gawking at sh!t and running into someone else

I hope the old lady wins
I was 18 at the time, not exactly the best driver at the time. I could really care less if she does, she isn't getting a dime out of me. Insurance covered her car, I don't know how the hell she's still suing me for property damage, and she wasn't so hurt that she couldn't get out the car and scream and yell, so I'm not sure how she missed all that work.


Now if you think some crazy B trying to milk some student and his parents for all there worth is cool then I suggest you go piss off in the corner somewhere far away.
 

TheMontashu

Pourly Tatteued Jeu
Mar 15, 2004
5,549
0
I'm homeless
He's much older and wiser plus now he is the best driver.








Wait, this happened 2 years ago. You are 21 now. How old were you 2 years ago?
2 years ago and a few months, and I guess I was actually 19 at the time. I am actually a much better driver now, I got a big truck, and started focusing on driving instead of going too fast.
 

OGRipper

back alley ripper
Feb 3, 2004
10,744
1,255
NORCAL is the hizzle
I have no idea, that's the thing. I never heard a thing from the insurance company.
(Facepalm.)

Your insurance covers claims against you. Someone filed a claim against you. Send the claim to your insurance company and ask them to confirm coverage.

It's not the same as a hospital bill, where your health insurance deals with it directly.
 

eric strt6

Resident Curmudgeon
Sep 8, 2001
24,566
15,437
directly above the center of the earth
I was 18 at the time, not exactly the best driver at the time. I could really care less if she does, she isn't getting a dime out of me. Insurance covered her car, I don't know how the hell she's still suing me for property damage, and she wasn't so hurt that she couldn't get out the car and scream and yell, so I'm not sure how she missed all that work.


Now if you think some crazy B trying to milk some student and his parents for all there worth is cool then I suggest you go piss off in the corner somewhere far away.
You make some rather uniformed assumptions. You ran a red light and hit her. You have zero clue what your insurance covered or did not cover. You have no clue what her injuries may or may not have been. Due to your negligence she should not have to incur any out of pocket expenses. Face it it is your problem, welcome to the real world of responsibility for your actions. You will get zero sympathy from me.
 

TheMontashu

Pourly Tatteued Jeu
Mar 15, 2004
5,549
0
I'm homeless
You make some rather uniformed assumptions. You ran a red light and hit her. You have zero clue what your insurance covered or did not cover. You have no clue what her injuries may or may not have been. Due to your negligence she should not have to incur any out of pocket expenses. Face it it is your problem, welcome to the real world of responsibility for your actions. You will get zero sympathy from me.
I understand its my fault you douche. But do you understand she is suing me for things that I KNOW FOR A FACT were covered under insurance. I also know FOR A FACT she said she was fine until the cops showed. I'm more than happy to make sure she doesn't cover out of pocked expenses, but if she want's to be a cunt and try and milk me (and my folks BTW who have to deal with this too because they were on the insurance policy) Sounds too me like you're just being old and bitter about some dumb kid is getting ****ed over

Edit, or is teaching that "dumb kid" a lesson really worth it? You know, she really deserves that trip to Hawaii at the cost of my college fund that I've been busting ass to put together
 
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bean

Turbo Monkey
Feb 16, 2004
1,335
0
Boulder
WTF? Backstory?
He was playing caps. People were drunk, and an extra cap or two were dropped in his beer before he started drinking. As he drank the beer one of the caps went along with it and lodged in his throat slightly below the adam's apple. Fortunately it got stuck in there vertically and never moved. If it had flipped horizontally he'd have been in big trouble. The Breckenridge hospital didn't have the staff necessary to remove it, and they were concerned that it could flip horizontally, hence the ambulance ride to Denver.

The x-ray of it is pretty great. In Denver he kept hearing nurses in the hallway say that they needed to come in and check it out.
 

Westy

the teste
Nov 22, 2002
56,222
22,257
Sleazattle
Whenever I have gone to a doctor for an injury my insurance company has sent me a form asking me to explain the accident so they can identify who could be liable for the damages. As far as they are concerned I fall down my stairs a lot.
 

eric strt6

Resident Curmudgeon
Sep 8, 2001
24,566
15,437
directly above the center of the earth
You don't know **** about any injuries based on what you saw at the scene. Until your lawyer looks at her medical record you still will have zero clue. Did she miss work? Did your insurance cover 100%? You call her names....you know ****. Karma is catching up to you..( i seem to remember your involvement in trashing a uc berkeley office).
 

stoney

Part of the unwashed, middle-American horde
Jul 26, 2006
22,016
7,914
Colorado
You don't know **** about any injuries based on what you saw at the scene. Until your lawyer looks at her medical record you still will have zero clue. Did she miss work? Did your insurance cover 100%? You call her names....you know ****. Karma is catching up to you....
*golf clap* Welcome to the real world. It's a bitch out here are you just learned in a very harsh manner.

Hopefully this can get sorted without you and your parents being taken to the cleaner. Worst case you can declare bankruptcy, but hopefully it doesn't come to haunt you parents.
Good luck, dude.
 

TheMontashu

Pourly Tatteued Jeu
Mar 15, 2004
5,549
0
I'm homeless
You don't know **** about any injuries based on what you saw at the scene. Until your lawyer looks at her medical record you still will have zero clue. Did she miss work? Did your insurance cover 100%? You call her names....you know ****. Karma is catching up to you..( i seem to remember your involvement in trashing a uc berkeley office).
She is suing me for loss of property, on a 25K car. I had 80K in coverage for car damage. She is suing me for "other damages" she is suing me for loss of use, even though insurance is required to provide a rental. Yea, I call her names cause she is frivolously suing me, the night it happened it was nothing but apologies from my side. I seem to remember being in Berkeley when that went down, but I also seem to have this overwhelming sense of respect for that school, and schools in general. As well as this crazy notion that trashing a school like that is entirely the worst thing to do, both for what ever cause you have, and the fact that that school is underfunded enough as it is.

Again, old man, You are pathetic.
 

TheMontashu

Pourly Tatteued Jeu
Mar 15, 2004
5,549
0
I'm homeless
*golf clap* Welcome to the real world. It's a bitch out here are you just learned in a very harsh manner.

Hopefully this can get sorted without you and your parents being taken to the cleaner. Worst case you can declare bankruptcy, but hopefully it doesn't come to haunt you parents.
Good luck, dude.
This is honestly just a long string of bull**** and bad luck I've been dealing with, It's been good for me though. I've been shutting up and working harder.

I'm not to worried about declaring bankruptcy to be honest. That's what I'm really worried about, I put them through enough **** growing up, I'm just trying to do them right now and finish school.
 

stoney

Part of the unwashed, middle-American horde
Jul 26, 2006
22,016
7,914
Colorado

TheMontashu

Pourly Tatteued Jeu
Mar 15, 2004
5,549
0
I'm homeless
mooshy's reaction:

The emancipation proclamation only freed slave's in states that left the union. He was more concerned with saving the union than slavery.


Just got off the phone with the insurance company. Looks like she's trying to milk the insurance company and wont settle, so she went strait after me directly.
 

Pesqueeb

bicycle in airplane hangar
Feb 2, 2007
42,082
19,488
Riding past the morgue.
I was 18 at the time, not exactly the best driver at the time. I could really care less if she does, she isn't getting a dime out of me. Insurance covered her car, I don't know how the hell she's still suing me for property damage, and she wasn't so hurt that she couldn't get out the car and scream and yell, so I'm not sure how she missed all that work.


Now if you think some crazy B trying to milk some student and his parents for all there worth is cool then I suggest you go piss off in the corner somewhere far away.

Thats right, she won't get anything out of you. But your parents, who's insurance you were on, and whom I assume you were living with at the time, are on the hook big time, maybe for everything they have. Is this woman just suing you to make a buck? Maybe, but that still does not absolve you, and more importantly your folks, of the responsibility you took on when you got behind the wheel.
 

OGRipper

back alley ripper
Feb 3, 2004
10,744
1,255
NORCAL is the hizzle
You don't know if your insurance will cover this. You don't understand that her insurance company can make a claim against yours to cover bills they had to pay when she made a claim. And you don't get the fact the adrenaline from a car accident can make a person seem fine even if they have a serious injury.

Calm the F down and use this energy in a productive way.

Start by getting off RM and calling your insurance company.

And then maybe think how you'd feel if some dumb-ass rubbernecking bitch t-boned you and put you through all the hassle that you are putting her through. Or maybe how you'd feel if your mom or someone else you care about had it happen to them.

In any case, stop jumping to conclusions until you know what's going on.
 
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