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Cat Forum / Cat Anecdotes / March 2005drat! (OT - car trouble)
So I'm finally feeling like I might get over this bronchitis. I can breathe almost without obstruction, it's a sunny day, life is good. I head over to a nearby bakery for a yummy sandwich, and on the way back to work ... I get rear-ended =/ Now, the driver is a super-nice guy and handed me his info without complaint, but this is still not on my list of favorite things to have happen. Making matters worse, my lower back instantly started to hurt. Now, my lower back has been hurting due to all the bed-time I've been getting lately, but it was finally feeling good this morning. I even *noticed* how pain-free I was. And then I get hit. I do carry stress in my lower back, so it's entirely possible that this is purely a stress reaction, but I'm still not very happy. I called my chiro and left a message asking what I should do. I'm hesitant for financial reasons of seeing the chiro before hearing from the adjuster, but for health reasons it seems like the right thing to do. *sigh*  Signaturemonique, who spoils Oscar unmercifully pictures: http://www.bounceswoosh.org/rpca You probably got a jolt that's upset your back for a week or so. Hope you soon feel a lot better. I got rear-ended 4 years ago. I was parked, for G sake! (lesson, do not have a furious argument with your girlfriend when pulling away from traffic lights, otherwise you might hit car because you are not looking where you're going..) I was hit at such speed that my car was totally wrecked and I initially couldn't get out of it, which panicked me for a while in case it went on fire. I sustained a whiplash neck injury that took two years to recover from even with physiotherapy. Here's hoping you feel fine very soon after a day or two and you aren't lastingly hurt, Monique. Cars, no matter how much we think we like each individual one -and I felt very attached to my Ford Fiesta at the time - can be replaced with another. Just metal. Unlike the driver. A PITA to sort out. Tweed > So I'm finally feeling like I might get over this bronchitis. I can > breathe [quoted text clipped - 24 lines] > > *sigh* > You probably got a jolt that's upset your back for a week or so. Hope you > soon feel a lot better. Thanks, Christina! I should be clear here; my car isn't very damaged (just a mark/indentation on the bumper) and I probably am not either. The vehicle that drove into me was only two or three feet behind me, so the impact wasn't that great (although it wasn't that small, either, because the vehicle was a heavy-duty truck). This car seems to attract rear-enders. Perhaps it's the gorgeous LEGO-blue paint job ... > I was hit at such speed that my car was totally wrecked and I initially > couldn't get out of it, which panicked me for a while in case it went on > fire. That would terrify me. > I sustained a whiplash neck injury that took two years to recover from even > with physiotherapy. It's really unfair how greatly we can be impacted by others' mistakes =/ > Here's hoping you feel fine very soon after a day or two and you aren't > lastingly hurt, Monique. Thank you! I hope that's the case. > Cars, no matter how much we think we like each individual one -and I felt > very attached to my Ford Fiesta at the time - can be replaced with another. > Just metal. Unlike the driver. True enough. I adore my car; it's the first new car I've ever owned and, more importantly, it's the first car I dreamed about owning for a year before getting it. It's my dream car. But you're right; it's just a machine, and worst to worst it can be replaced with an identical machine. That was hard to remember a year ago, when a commercial van backed into the rear end of my parked, 4-day-old car. I was apoplectic. Fortunately, DH was on the scene (stopped the van as it was about to leave the scene, in fact) and took care of the exchange of information and whatnot. Now, though, I figure it's had its first scratch and, hey, I got Roxie with the intent of abusing her by constantly loading her up with skis, mountain bikes, greasy and muddy things, etc. > A PITA to sort out. Yes. The driver was extremely cooperative, so I'm hoping this claim will go smoothly. It should be pretty simple. I'm not looking forward to the paperwork for the injured back claims and all that, though. Bleh. Signaturemonique, who spoils Oscar unmercifully pictures: http://www.bounceswoosh.org/rpca Lots of purrs and best wishes, SignaturePolonca & Soncek > So I'm finally feeling like I might get over this bronchitis. I can breathe > almost without obstruction, it's a sunny day, life is good. I head over to a > nearby bakery for a yummy sandwich, and on the way back to work ... > > I get rear-ended =/ <snip> ((((((Monique)))))) Joy > So I'm finally feeling like I might get over this bronchitis. I can breathe > almost without obstruction, it's a sunny day, life is good. I head over to a [quoted text clipped - 14 lines] > > *sigh* > ((((((Monique)))))) > [quoted text clipped - 35 lines] >> >> pictures: http://www.bounceswoosh.org/rpca Probably should have an x-ray to be on the safe side. Best wishes. MLB > Probably should have an x-ray to be on the safe side. Best wishes. MLB Thanks. I had my back scanned by my chiro the same day and got an adjustment, but have not gotten an x-ray. My chiro seemed to think, from the adjustment, that my back wasn't freakishly out of alignment, but he still needs to look at the scan. Signaturemonique, who spoils Oscar unmercifully pictures: http://www.bounceswoosh.org/rpca > my chiro and left a message asking what I should do. I'm hesitant for > financial reasons of seeing the chiro before hearing from the adjuster, but > for health reasons it seems like the right thing to do. I'm pretty sure his insurance *has* to pay for any treatment you receive to solve anything caused by the accident. Purrs to you. SignatureVictor M. Martinez Owned and operated by the Fantastic Seven (TM) Send your spam here: uce@ftc.gov Email me here: pistorLITTER@BOXaustin.rr.com >> my chiro and left a message asking what I should do. I'm hesitant >> for financial reasons of seeing the chiro before hearing from the [quoted text clipped - 4 lines] > to solve anything caused by the accident. > Purrs to you. Most auto insurance has a limit on the amount of medical they will pay. IIRC the standard in a quote is $10,000 but this amount can be increased. Frankly, $10,000 doesn't cover diddly in terms of the cost of medical care. Jill > Most auto insurance has a limit on the amount of medical they will pay. > IIRC the standard in a quote is $10,000 but this amount can be increased. > Frankly, $10,000 doesn't cover diddly in terms of the cost of medical care. We have coverage of $100,000 per person or $300,000 per accident. SignatureVictor M. Martinez Owned and operated by the Fantastic Seven (TM) Send your spam here: uce@ftc.gov Email me here: pistorLITTER@BOXaustin.rr.com >> Most auto insurance has a limit on the amount of medical they will >> pay. IIRC the standard in a quote is $10,000 but this amount can be >> increased. Frankly, $10,000 doesn't cover diddly in terms of the >> cost of medical care. > > We have coverage of $100,000 per person or $300,000 per accident. I do, too, but you have to talk about it when you buy the policy. Most of them default to $10,000 medical and unless you specify something else, that's what you get. Jill >>> Most auto insurance has a limit on the amount of medical they will pay. >>> IIRC the standard in a quote is $10,000 but this amount can be increased. [quoted text clipped - 6 lines] > them default to $10,000 medical and unless you specify something else, > that's what you get. I don't think this will apply in my case, but if the person at fault's auto coverage doesn't fully cover one's injuries, will one's own auto insurance company pay for the remainder? Signaturemonique, who spoils Oscar unmercifully pictures: http://www.bounceswoosh.org/rpca >>>> Most auto insurance has a limit on the amount of medical they will pay. >>>> IIRC the standard in a quote is $10,000 but this amount can be [quoted text clipped - 13 lines] > coverage doesn't fully cover one's injuries, will one's own auto insurance > company pay for the remainder? The driver who caused the accident is responsible for any costs over and above what his insurance will pay. Hugs, CatNipped >>> my chiro and left a message asking what I should do. I'm hesitant >>> for financial reasons of seeing the chiro before hearing from the [quoted text clipped - 11 lines] > > Jill That's for you or your family if its your fault. The assumption being you have medical insurance as well. Higher liability coverage takes care of others. Jo >That's for you or your family if its your fault. The assumption being you >have medical insurance as well. Higher liability coverage takes care of >others. Medical payment is separate from liability. Insurance companies learned long ago that liability claims tend to be smaller when the insurance company takes care of immediate medical treatment for the injured, so medical payment is kind of a no questions asked type of coverage. You do not have to have been at fault to trigger medical payment coverage. > So I'm finally feeling like I might get over this bronchitis. I can > breathe almost without obstruction, it's a sunny day, life is good. [quoted text clipped - 17 lines] > > *sigh* Oh dear, I'm sorry to hear this! You really need to get checked just to be sure. I'd call his insurance company and inform them of the problem and let them know you will be seeking medical care. You should also ask how much medical coverage his policy includes. Hope you feel better soon! Jill >> So I'm finally feeling like I might get over this bronchitis. I can >> breathe almost without obstruction, it's a sunny day, life is good. [quoted text clipped - 26 lines] > > Jill Gotta differ on this one. Do *not* call his insurance company to see how much "medical coverage" he has. The last thing you want is to let his insurance company know that you're in any way willing to settle for the extent of his "medical coverage". If you got rear-ended, it's almost always the "fault" of the driver of the car doing the "rear-ending". So any claims you make against him (medical or property damage) are covered under his liability coverage. Disclaimer: I am neither an attorney nor an insurance professional. Consult your own for more accurate counsel. Sam, closely supervised by Mistletoe >> Oh dear, I'm sorry to hear this! You really need to get checked just to be >> sure. I'd call his insurance company and inform them of the problem and [quoted text clipped - 16 lines] > > Sam, closely supervised by Mistletoe I had my first discussion with his insurance adjuster today, basically setting up an appointment to interview by phone tomorrow. Anyway, she seemed really interested in the fact that I was already seeing a chiro and asking about my pre-existing conditions. I answered as honestly as I could, but I really hope she's not setting me up for a "eh, you already had back pain and you're just trying to get us to pay for it" argument. Bleh. My back was feeling good, and just after I was hit, it started hurting. It's hurt since then, except for the hour and a half last night when I got a "hot rock" massage treatment. As soon as the massage was over, the pain came back. It now feels "fizzy." I don't know if I can explain what I mean by that, but it does feely fizzy. And aches. Signaturemonique, who spoils Oscar unmercifully pictures: http://www.bounceswoosh.org/rpca >>> Oh dear, I'm sorry to hear this! You really need to get checked just to >>> be [quoted text clipped - 41 lines] > And > aches. Either consult a lawyer on your own or ask your insurance company if they have a lawyer you can consult. Even if your back was hurt before the accident, any *additional* damage is still their responsibility. Hugs, CatNipped >> I had my first discussion with his insurance adjuster today, basically >> setting up an appointment to interview by phone tomorrow. Anyway, she [quoted text clipped - 11 lines] > have a lawyer you can consult. Even if your back was hurt before the > accident, any *additional* damage is still their responsibility. I'm going to see how the interview today goes. I realize that I didn't communicate one thing over the phone well, and that's that I currently see my chiro as more of an ongoing preventative care thing than as a treatment for a specific problem. With my active lifestyle, I'd rather catch misalignments *before* they cause pain. I've also noticed a significant change in my posture, even though that was never something my chiro was explicitly working toward; it's just a side effect of a healthier back. Anyway, I think that the idea of using a chiro for preventative care may be novel to a lot of people, so I should make it clear to the adjuster what's going on. Signaturemonique, who spoils Oscar unmercifully pictures: http://www.bounceswoosh.org/rpca --------------<snip>------------------- >I get rear-ended =/ --------------<snip>------------------ I'm sorry to hear about the accident. My back causes me a lot of pain so I truly sympathize. Get better soon. Regards and Purrs, O J > I'm sorry to hear about the accident. My back causes me a lot of pain so I > truly sympathize. Get better soon. Back pain sucks! Does yours feel better if you apply some heat? I have a sock full of rice that I microwave now and then; feels great on sore parts. Signaturemonique, who spoils Oscar unmercifully pictures: http://www.bounceswoosh.org/rpca >> I'm sorry to hear about the accident. My back causes me a lot of pain >> so I truly sympathize. Get better soon. [quoted text clipped - 3 lines] > Does yours feel better if you apply some heat? I have a sock full of rice > that I microwave now and then; feels great on sore parts. Careful with that rice. Don't you remember the cat that was severely burned by just such a thing? >>> I'm sorry to hear about the accident. My back causes me a lot of pain >>> so I truly sympathize. Get better soon. [quoted text clipped - 7 lines] > Careful with that rice. Don't you remember the cat that was severely > burned by just such a thing? Well, poor Bandit was shoved *inside* the rice heating bag when she was sedated and unable to move away from what was burning her. If you are able to move around you should be able to move the bag if you feel it getting too hot. Personally, I like those "Therma" pads that start heating up in reaction to air and stay heated for up to 12 hours without ever getting too hot. Hugs, CatNipped >> Back pain sucks! >> [quoted text clipped - 3 lines] > Careful with that rice. Don't you remember the cat that was severely burned > by just such a thing? Of course I do. But I don't use it when knocked out by drugs, and I am able to move it to different parts of my body or even away a bit as necessary. Typically I apply it to achy bits for a few seconds at a time, then eventually I just leave it an inch or two away from me in the bed to warm up the sheets. In fact, the main way I use it is actually to place it under the sheets a few minutes before bed to toast things up. I appreciate your concern, but I think there's a big difference between an elderly, drugged cat being placed on a heating pad without adequate supervision and a healthy, aware human who can move the sock as necessary. Also, consider that the heating pad is probably similar in size to Bandit, whereas the sock is very small compared to my body. Signaturemonique, who spoils Oscar unmercifully pictures: http://www.bounceswoosh.org/rpca > So I'm finally feeling like I might get over this bronchitis. I can > breathe almost without obstruction, it's a sunny day, life is good. [quoted text clipped - 19 lines] > > pictures: http://www.bounceswoosh.org/rpca {{{{{{{{{{ Monique }}}}}}}}}} SignatureAdrian (Owned by Snoopy & Bagheera) A house is not a home, without a cat.
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