My Friend's Motorcycle Accident - An Insurance Company's Hospital Bedside Offer
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A friend of mine has a brother who was recently in a motorcycle accident. To maintain anonymity, I will not refer to this gentleman's name. He is a 25 year old military officer. He has a pregnant wife and an infant child. He was taking a quarter of a mile trip across the street to a convenience store early one morning. Suddenly a 19 year old driver of a work van, who failed field sobriety testing (at 8 am), ran a red light and struck his motorcycle. My friend's brother suffered a broken fibia, broken tibia, a broken hip, six broken ribs, severe road rash and swelling to the brain.
At the scene, the 19 year old allegedly did not even offer to help my friend's brother and appeared more concerned about the van and the possibility he may be fired because of the accident. Following his first surgery, my friend's brother was called by the 19 year old's insurance company literally a dozen times within two days. They ultimately visited him at his hospital bedside (while he was on morphine) with paperwork. The offer for settlement - $3200! His projected medical bills - $150,000. His ability to walk, run, exercise - severely and permanently impaired. His future military career - compromised. His time in the hospital - 3 weeks. His time doing physical therapy and his out of work - 6 months. His scarring - permanent. His pain and suffering - ???... $3,200. Gimme a break.
I just want to demonstrate two points:
First, the importance of attaining legal advice. This gentleman, due to adequate insurance coverage and the factual scenario I have set forth, can likely recover over well $750,000. I honestly do not even believe that amount is enough considering his future prognosis.
Second - I believe this example demonstrates how evil and underhanded insurance companies can be.