Posted 7/9/2013 12:36 AM (GMT 0)
Thanks. The first few months after the MVA, I was very cautious about going to see doctors and getting tests. But luckily, I have good employer insurance and I don't pay any premiums. My employer is my primary on my car insurance, so I made sure I stayed in netwrok. Even though the car insurance would pick up the rest, I had a deductible of up to 1500. At first, I wasn't at all interested in paying beyong my regular co-pays. But then when I stopped physical therapy and I was in such severe pain, what was 1,500 compared to the tremendous pain that I was in. Since then I have already paid that deductible.
And it's not just the medical costs. We have had to pay for take out, childcare, and cleaning help when the pain was so bad. Then there were days absent from work. I missed 14 days this year. I kept pushing myself to try and do what I use to because of the costs but I just kept hurting myself form.
Everyone kept saying why don't your kids do this or your husband do that. First of all my 2 older kids already help tons with my younger one. Thank G-d for them. My husband was away at work most of the year I have been in pain. He could really only help me on Sundays. Plus my kids don't drive , so who was going to do the shopping and errands.
And I am so resentful that the insurance company keeps saying oh why don't your kids or your husband do this. It wasn't their fault I got hit by a car. Their lives too have been diminished because of the accident, they help a lot, but it is very unfair to expect them to drop everything to take care of what their driver did to me.
I will not let that happen again. When I had my first daughter and I had to have an emergency cesarian that their doctor botched up, which my doctor had to fix 7 days later, the insurance said they wouldn't give me any home help with the new baby because my husband was a teacher and he could stay home and take care of me. But he was registered for 2 graduate courses, paid and everything, and he had to drop them because I couldn't walk for a month after the corrective surgery.
I was young and didn't know anything about fighting insurance companies and we just lied down and took whatever they gave us. A nurse came by for 2 weeks to help me bath and change my dressings.
But I'm not doing that again. All these extra expenses because of the accident, I intend to get back from the driver who hit me. I know it's hard, but I hope we will have some relief from our hell of a year.