Hi all. Just like to get this out of the way first and foremost. This situation/form is going before an attorney in my state. I never sign anything without an attorney after a bad experience when I was 22 and thought I knew everything. Just looking for general impressions here.
I live in Pennsylvania, a PIP insurance state. I have limited tort coverage (meaning I can’t sue for pain and suffering).
In may I was hit while stopped in traffic, the other fellow was driving a company truck and doing roughly 15mph. Messed up my bumper and the metal bumper underneath. My neck was sore for 3 days and I’ve had zero problems since.
I filed the claim with the other guy’s insurance. I’ll be damned if my rates go up because ai got hit at a stop. They will fix the car no questions asked and covered my rental. I’m using one of their preferred shops to make sure no problems.
I got a call today from their insurance offering to pay me $250 to release them from all future medical liability. I asked the dude to send me the form and I’d have an attorney look over it.
Should I sign my rights away in any case? What if I have a pinched nerve that doesn’t show up till December?
If yes should I counter with $2,500 to sign the release? I know they have actuaries who will consider the cost of my bribe vs the cost of potential treatment.
Under no circumstances would I consider trying to milk this with “pain and suffering”, I hate frivolous lawsuits. An accident shouldn’t be a lottery ticket. Just wondering what your guys’ experience has been.