Lizooki
Samurai Frogger
- Joined
- Mar 21, 2005
- Location
- Stokes Co. NC
Edit: I started this in the random pic thread continuing a small discussion about insurance ..... then decided it was gonna be long and needed it's own space.
Soooooo.....
Here's some insurance BS for ya.
On July July the 14th, my bro in law disappeared. He is always late, but always where he is supposed to be.
His wife ( we'll get to THAT later ) basically did nothing. Even though she went to our mom in laws house at midnight and told her he didn't come home. He's usually home from his Monday night card game by 10pm.
She went home and went to bed.
Sis in law called my wife at 6:15AM Tuesday understandably upset .... still not home and nothing from him.
Wife calls me at work as I'm getting out of my truck. I ask if she needs me. Nope. She's gonna go pick up the sis in law and go to the house where the card game is.
Maybe he just had to much to drink and stayed there.
30 min. later my wife starts texting. Sis in law can't remember the house, the location, the address, the name, or ANYTHING about the card game.
By now you have figured out .... Sis in law has "issues".
7:45AM I start getting text messages from Bapt. hospital telling me it's my turn to be seen in the ER.
BTW- At this point, I've talked to my supervisor and he told me if I need to leave, just leave and text him as I'm leaving the building.
I forward the triage messages to my wife who starts calling Bapt. hospital. I started to leave work, and go there and start looking in person.
I should have. For 3 hours Bapt. said they had no one by that name.
During this time, this sis in laws phone would ring, she would look at it, cancel, put it back in her pocketbook.
After one of my wifes calls to the hospital, and the 5-6 text to me from the hospital, it rang.
When she went to cancel it, my wife screamed at her to stop!
"Your husband is missing and you won't answer the phone? Are you stupid?" <---- actual quote
She answers .... it's Baptist Hospital. They had been trying to contact her for 16 freakin' hours!
She wouldn't answer because she didn't recognize the number!
He never made it to the card game. He was in a wreck on Hwy 6 at Seward. A lady turned in front of him.
By ALL accounts: Police report and witnesses, her fault.
He was driving a 1967 Ford Fairlane 500. he said he wishes he was driving his 2000-sh Buick.
Nope. That Ford saved his life.
The framerail took the full hit. It doesn't look bad , but the car is totaled. Frame is bent all the way to the rear of the car.
Here's what got him.
The framerail moving shoved the steering column into him ( he was buckled - '67s only had lapbelts).
His body jammed the steering column back INTO the dash.
Steering wheel got his face - If you are squeamish .... skip this one.
His face was crushed (2 surgeries )
wrist crushed ( surgery)
Foot broken and heelbone crushed and detached (surgery)
cracked sternum
broken ribs
Many cuts, bruises and abrasions.
Back broken - I vertebrae cracked from the FRONT ( in other words, from the inside)
Wheelchair bound. If he's up on crutches for more than 5 min. he passes out.
He did have a slight brain brain bleed early on in the ER, but they say it has healed.
He was in the hospital 3 weeks, then at our house. He couldn't do anything for himself and sis in law not capable to take care of him.
In fact, right in the middle of all this, a friend of his who lives near him calls us.
"Have you talked to "Sis in law"? She says some one is trying to take all of "bro in laws" stuff! I'm on my way over there now!"
So we take off, and dial 911. Deputy's say no sign of anyone. Friend says the same. Sis in law is .... "frantic". Come to find out, they aren't actually married. We call her Dr. and then her brother since we aren't family. He takes her to the hospital and she spends 5 days there for a breakdown.
He's now at home, in good enough shape she can care for him.
We ( mostly my wife, with my imput as needed) are handling everything else though.
The insurance did pay up, and pay up well on the car.
yippee.
They tried to settle medically once while he was in the hospital, my wife laughed .... i told her not to even answer and hang up.
The second time, he was at our house. She explained he couldn't even feed himself yet. They stopped.
The Dr.s have said it will be at least a year before he is anywhere near normal.
The insurance company called Monday and said they were going to settle for the max of the lady's policy.
The lawyer my bro in law contacted said that's as good as he can do with out suing the lady. She's 87 yrs old. He DOES NOT want to do that.
So he said send the paperwork.
One thing to mention. BOTH parties have the same insurance company.
We get the paperwork, and there is the lady's and an ADDITIONAL name on the policy.
The lawyer had mentioned something about "is there another name on the policy"?
I said stop and call the lawyer. Waiting for him now.
My wife also put on her "Karen" haircut and called the insurance agent and basically told him he was being dishonest and deceitful by not mentioning the other party.
His reply was, "it make sno difference'.
My reply was, then why are you trying to protect him?
The insurance guy didn't reply to that one.
I expect we will see court.
Screw 2020 and the apocalyptical horse it rode in on.
BTW - Bro in law is doing well.
Soooooo.....
Here's some insurance BS for ya.
On July July the 14th, my bro in law disappeared. He is always late, but always where he is supposed to be.
His wife ( we'll get to THAT later ) basically did nothing. Even though she went to our mom in laws house at midnight and told her he didn't come home. He's usually home from his Monday night card game by 10pm.
She went home and went to bed.
Sis in law called my wife at 6:15AM Tuesday understandably upset .... still not home and nothing from him.
Wife calls me at work as I'm getting out of my truck. I ask if she needs me. Nope. She's gonna go pick up the sis in law and go to the house where the card game is.
Maybe he just had to much to drink and stayed there.
30 min. later my wife starts texting. Sis in law can't remember the house, the location, the address, the name, or ANYTHING about the card game.
By now you have figured out .... Sis in law has "issues".
7:45AM I start getting text messages from Bapt. hospital telling me it's my turn to be seen in the ER.
BTW- At this point, I've talked to my supervisor and he told me if I need to leave, just leave and text him as I'm leaving the building.
I forward the triage messages to my wife who starts calling Bapt. hospital. I started to leave work, and go there and start looking in person.
I should have. For 3 hours Bapt. said they had no one by that name.
During this time, this sis in laws phone would ring, she would look at it, cancel, put it back in her pocketbook.
After one of my wifes calls to the hospital, and the 5-6 text to me from the hospital, it rang.
When she went to cancel it, my wife screamed at her to stop!
"Your husband is missing and you won't answer the phone? Are you stupid?" <---- actual quote
She answers .... it's Baptist Hospital. They had been trying to contact her for 16 freakin' hours!
She wouldn't answer because she didn't recognize the number!
He never made it to the card game. He was in a wreck on Hwy 6 at Seward. A lady turned in front of him.
By ALL accounts: Police report and witnesses, her fault.
He was driving a 1967 Ford Fairlane 500. he said he wishes he was driving his 2000-sh Buick.
Nope. That Ford saved his life.
The framerail took the full hit. It doesn't look bad , but the car is totaled. Frame is bent all the way to the rear of the car.
Here's what got him.
The framerail moving shoved the steering column into him ( he was buckled - '67s only had lapbelts).
His body jammed the steering column back INTO the dash.
Steering wheel got his face - If you are squeamish .... skip this one.
His face was crushed (2 surgeries )
wrist crushed ( surgery)
Foot broken and heelbone crushed and detached (surgery)
cracked sternum
broken ribs
Many cuts, bruises and abrasions.
Back broken - I vertebrae cracked from the FRONT ( in other words, from the inside)
Wheelchair bound. If he's up on crutches for more than 5 min. he passes out.
He did have a slight brain brain bleed early on in the ER, but they say it has healed.
He was in the hospital 3 weeks, then at our house. He couldn't do anything for himself and sis in law not capable to take care of him.
In fact, right in the middle of all this, a friend of his who lives near him calls us.
"Have you talked to "Sis in law"? She says some one is trying to take all of "bro in laws" stuff! I'm on my way over there now!"
So we take off, and dial 911. Deputy's say no sign of anyone. Friend says the same. Sis in law is .... "frantic". Come to find out, they aren't actually married. We call her Dr. and then her brother since we aren't family. He takes her to the hospital and she spends 5 days there for a breakdown.
He's now at home, in good enough shape she can care for him.
We ( mostly my wife, with my imput as needed) are handling everything else though.
The insurance did pay up, and pay up well on the car.
yippee.
They tried to settle medically once while he was in the hospital, my wife laughed .... i told her not to even answer and hang up.
The second time, he was at our house. She explained he couldn't even feed himself yet. They stopped.
The Dr.s have said it will be at least a year before he is anywhere near normal.
The insurance company called Monday and said they were going to settle for the max of the lady's policy.
The lawyer my bro in law contacted said that's as good as he can do with out suing the lady. She's 87 yrs old. He DOES NOT want to do that.
So he said send the paperwork.
One thing to mention. BOTH parties have the same insurance company.
We get the paperwork, and there is the lady's and an ADDITIONAL name on the policy.
The lawyer had mentioned something about "is there another name on the policy"?
I said stop and call the lawyer. Waiting for him now.
My wife also put on her "Karen" haircut and called the insurance agent and basically told him he was being dishonest and deceitful by not mentioning the other party.
His reply was, "it make sno difference'.
My reply was, then why are you trying to protect him?
The insurance guy didn't reply to that one.
I expect we will see court.
Screw 2020 and the apocalyptical horse it rode in on.
BTW - Bro in law is doing well.
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