I could write a long story of how abusive the insurance industry is. My ex-wife was in a car accident a few years ago. Suffered soft tissue damage and was not able to work. The things the insurance company did to make her give in and sign a settlement was criminal in my mind. Including.
1. Having a private eye follow her around as she went to her doctor's appointments. Including having this person park his vehicle in front of our house.
2. Cutting us off of the disability insurance she was on until we proved she could not work. After 9 months they finally relented on the 'courthouse' steps. They paid us the 9 months of the unpaid disability insurce. Which of course 35% went to our lawyer.
3. Sending her again and again to be tested to prove her level of physical ability. If she did not make the appointment they set up they would stop the disability insurance. Including the appointment the day after her grand mother died.
4. Sending her to 'their' doctors who would always say she is fine. Then we would have to find a neutral doctor for his evaluation. Then those would have to be evaluated by the insurance company. They never cut us off again but that was always hanging over our head. We had to pay for the neutral doctors evaluation.
Some other things that have happened because of the car accident.
1. She can no longer work. Before the accident she was making $100,000+. Now I am not sure how she makes money. We divorced a few years ago.
2. She now has a wheel-chair parking pass because her knees swell up so much when she walks. The doctor says she will probably be in a wheel-chair eventually. She is 42 years old.
3. Having friends and family asking if she is faking the injury.
4. Having friends and family saying she is lucky when the settlement finally happened. After 9 years of dealing with insurance and having all savings wiped out. The settlement is basically enough to cover medical expenses and lost wages. But of course it was rounded down based on the judges discreption. Oh, of course the lawyer takes 35%.
Oh, of course some people who have hurt their back a little will just say get over it. But when your back muscles have been ripped so bad that they won't heal maybe you will understand. Having shoulder muscles ripped so badly that one doctor asked if she was a power weight lifter because that is where he typically sees this kind of damage. Then the sleepless nights when that blood clot was found from the injuries. Fortunately the blood thiners worked.
Having her 2 year old daughter crying because mommy doesn't pick her up anymore.
I hate the people who have abused the insurance industry. I hate the insurance industry for having no heart and trying to break people into giving in. I hate the entire system. I hate that damn commercials on tv when the insurance company says they care. They do not care.
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