rfenst wrote:Nope. Got my ribs x-rayed and hope they'll improve over the next few days per the ER doc (I don't ever trust them on this ... which is another story...).
I don't believe in b.s. injury claims or even "padding" real good claims. I always "shoot straight" to maintain optimal credibility. And, I don't want what i don't deserve either. So, if this is all there is too it. I'll be very happy and won't seek a penny more than my ER-related medical bills.
Now, the diminution of value will be another issue. No one I know has made such a claim on a LEASE vehicle before. Insurance companies don't acknowledge loss of lease equity by claiming it belongs to the owner (Honda Finance Corp.). But, HFC won't assign the claim back to me to pursuit because they simply don't give a chit...
Anyhow, I don't know what your exact job in the insurance industry was or who you worked for, but I'd be interested to know because you know allot...
Love to help wherever I can. Background in healthcare (both sides of the divide). 15 years in Auto & Home insurance. In the training & development side of sales for the most part, some in client service.
Where I'm of little assistance is on the Claims side of things. It is a different language on that side of the house. Variables galore. There was a coverage option we sold called New Car/GAP. Buy a vehicle for 35k, drive it off of the lot, some jackwagon smashes into your car, totaling it. Insurance company writes you a check based on the 15-minute used vehicle- 27k.
If the policyholder selected that coverage, the insco writes you an additional check for 8k.
I'm unsure if such a coverage exists in a non-totaled situation. Or, if you can get some type of money out of the dude who rear ended you, decreasing the value of it. Haven't ever seen a lease agreement or a claim resembling your situation.
Wish I could be more help.