My wife was rear-ended last Thursday on Kennedy Road on Scarborough. She was sitting in traffic and a huge Ford Escape (rental) made no attempt to stop and slammed into the back of her, forcing her to run into the car in front. Make a long story short: the police said the woman in the SUV is being charged with reckless driving, carrying with it 6 points, $450 fine, etc. They said my wife is totally innocent and has nothing to worry about. Had the car taken to Fix-Auto and I know the owner ÃƒÂ¢Ã‚â‚¬Ã‚â€œ he said our car is a write-off (2012 Honda Civic). The woman's SUV was also taken to FixAuto and since her airbag deployed it will be a total loss.
My wife was rushed to Scarb General Hospital ÃƒÂ¢Ã‚â‚¬Ã‚â€œ had numerous xrays on her spine, neck and back ÃƒÂ¢Ã‚â‚¬Ã‚â€œ everything ok just severe whiplash. She cannot turn to the right or left and shuffles along. I have contacted a personal injury lawyer that was referred to us by a friend that had a similar accident 4 years ago and they really helped him since he ended up getting vertigo from the whiplash. She has an appt today with our family doc.
We have yet to get the final police report, which I was told was ready soon. I have already started the claim with our insurance. We were set-up with a rental car and have it until this Friday. Never having gone through this before I have some questions I am hoping I can get some help with:
1) My wife obviously canÃƒÂ¢Ã‚â‚¬Ã‚â„¢t work at the moment so who do we file with so her loss of wages are covered?
2) When do we start looking for a new car?
3) What happens if we need the rental longer?
4) What are our next steps in everything?
I feel so lost/upset.
Hiring a personal injury lawyer off the bat before you know the extent of the injuries in my view will lead litigation because they're going to be out to sue the other driver. (I can't tell you how many times I have heard of cases of whiplash where the person is lead to believe they will get over $100,000 and ends up with a settlement of $5000 after putting in hundreds of hours in therapy/assessments ect).
1. Insurance company. Review your policy on what they will/will not cover. Main thing is to keep talking to them about the situation. (I'm parroting what ynotp said above.)
2. You can start looking right away. If the insurance adjuster has determined that the vehicle is a write-off, you should get a cheque for the assessed value of the vehicle.
3. Tell the insurance company the same.
4. Can't really tell you much, but be prepared for the following:
- She might have to testify in court regarding the event. This will happen anywhere from 8 to 18 months from now. If she's up to it, I'd suggest having her write down notes of what she can remember.
- Insurance adjusters might work a bit slower than we'd like but they will get the job done.
- Make sure that all of the injuries are properly documented and her time off of work is also documented.
- I agree with ynotp as well regarding hiring a personal injury lawyer. They might make you think you'll get huge settlements but the reality is you get pennies on the dollar, unless it is a slam-dunk win, which very few of them are.
Those really are all secondary. The main thing is to make sure she gets better soon, but you already knew that.
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