My first wreck, how to deal w/ insurance?
Well I was recently in my first bike accident. It was marvolous. I allways thought after watching crash video's "damn if that was my bike I would be so pissed that i just wrecked it". I could never understand why people never seemed to really care about thier bike after a wreck till my blackout ended and i found myself lying on the blacktop trying to figure out what just happened. I wanted to kill this damn ******* in thier damn car that had the audasity to make me wreck.
Anyways that ******* was like an 80 year old woman, and i probobly cursed more at her than i ever have at an elderly person in my entire life. Actually i dont think I've ever cursed at an elderly person, typically i'm very respectful of those old people. But my knee was throbbing and my adrenaline was pumping and she just ruined my day.
anyways, 2 days later I'm finally told by her Ins. co. that she is taking the liability (I took pics of the crash site and made sure to tell the ins. rep EXACTLY what happened). So now i'm going to get my bike appraised for the damage etc, and hopefully get my helmet replaced as well as my gloves (my jacket came out unscathed, great)
Now I have 2 questions...
First: What should I do before my bike gets appraised, and should I get a second opinion from a thrid party or anything to make sure they dont rip me off for the repairs.
Secondly (and most importantly): The ins. woman offered me 250 bucks to waive medical liability of her client. I told her I'd have to wait a couple days and think about it. I talked with my family and they told me no way, 250 is not nearly enough. I hurt my knee but not seriously (road rash, and it'll bruise up pretty bad, atm i dont think it is anything that will need medical attention). I've been limping all day and cant get into my car easily or do stairs for that matter though.
has anybody else been in this situation? how much money do you think i should be asking for in addition to the bike repairs to settle the medical liability? Like I said I dont forsee needing therapy or anything, but at the same time if they want me to waive liability they are basically asking me "how much is it worth for you now to assume that your leg is fine and wont need thousands of dollars of work on down the road".
I'm a greedy bastard and frankly I could use some money, so I called her back and left her a voicemail telling her i wanted to talk about it.
Am I being a stingy bastard or should try and pinch some more money out of the situation?