Re: My accident

[Guest guest]

*Dear Friends & Loved Ones*

Its amazing how prayers do get answered!! I've had a few bad days, with

getting my van totaled and not having the financial part for the

deductable and ALL I had was prayers and several of you have offered to

help me and I wanted to first of all thank you first and also to be a

witness to you how wonderful our Savior works upon us.

After we crashed the car, my Ins. company went & got an estimate, got

that taken care of. Then we made a few phone calls and that was that. I

called Brookdale Dodge, they brought out a nice used van and today I

bought it!!!!! I didn't even need to come up with the deductable because

they took it off of my estimate. I'm getting the ramp on & EZ Lock

installed sometime this next week!!

The Lord is on my side, praise be to Jesus!!!

Jodi & MM & O

[Guest guest]

-Wow Liz, You have an angel on your shoulder or what? You have been

in a horrific accident even though not much damage to you,dogs or

car. But I can not believe all that and you didn't get put in the

hospital or anything.I should say, someone was watching out for

you.Glad you are doing good.I got a steroid shot last Thurs. and can

hardly move around. I think my angel has been asleep or something.

Life, what an adventure it can be. Good to be reading your email

rather than the obituary's. Take care,rest up,and keep us posted.

D. in Oregon

-- In , Liz_K <juliette@...> wrote:

>

> Thursday I was driving to a town about 40 miles away for a small

job. It

> started raining and sleeting lightly as I left the Quad Cities and

it

> began to get heavier the farther I went.

>

> About 25 miles out I was passing another car, neither of us going

very fast due to the conditions.

> It happened so fast I am having a hard time piecing it together but

I do

> know that in an instant I hydroplaned across the two lanes due to

a

> sudden cross current of water going diagonally across the

interstate.

>

> After that I

> am not entirely clear but I remember spinning around and it looks

like

> from the photos I took afterwards that I somehow went up the steep

hill

> beside the highway ditch BACKWARDS. I sideswiped a tree and then

somehow

> ended up at the midpoint of the hill with my " nose " down into the

ditch

> which was quite muddy due to all the rain we have had. The front

fender

> plowed into the mud tearing off the left side of the bumper and

jerking

> the wheels so hard it broke a tie-rod. The rest of the car

sustained no

> damage at all except for a huge spray of mud and grass on the

passenger

> side when I plowed through that mud.

>

> I cut my finger on something sharp. I have no idea what...and also

believe

> I hit my head because I had a headache. Also my back was wrenched

pretty

> hard from the impact with the tree and the ground. That has been a

> problem, my back, with the psoratic arthritis but this just made it

worse.

>

> Mentally I am a mess though that is starting to improve. The

hardest

> thing to deal with is that this was our " new " -to-us car.. Not a

scratch on

> it... I don't know what will happen. Monday they will be looking at

the

> damage and determining if it will be totalled or not. They are

thinking

> so, based on the car age and mileage, though it does have an engine

with

> only 40,000 miles on it.

>

> It could have been much worse.. with that much force I could easily

have

> been killed or hit another car as mine hydroplaned across that

lane.. I

> had absolutely no control of the car at that point.. it just felt

like I

> was skating on a pond or something...that was the sensation.

>

> I try to look at the humorous side of it.. and that helps. one was

that as

> the policeman and I were walking around the car inspecting it we

found a

> very soaked pair of men's briefs....The officer said, " Well I don't

think

> we need to worry about them " and grinned. I had my dogs with me

and they

> were just barking their heads off plus they got a ride to the

garage with

> the wrecker (in our car). Insurance got me a rental car and I went

back

> after them, after getting the car. Were they ever glad to see me!!!

(I had

> to go all the way back to the Quad Cities for the rental...In this

case

> Enterprise could not " pick me up " .

>

> Today I am feeling much better than I did yesterday.. I could

barely move

> and I was horribly depressed and very drained and exhausted. Thank

god for

> the healing power of sleep.....

>

> Please pray that the car can be fixed or that they can do like they

said

> they might.. replace it with one of equal value... I need that car

very

> much to get around in...Living out of town like we do I cannot take

the

> bus to do anything...

>

> Thanks for reading..

>

> Liz Kilpatrick

> On the banks of the Mighty Mississippi River, Davenport,IA/Quad

cities

> ~~~~~~

> " Giving of ourselves is the way we change the world at the end of

our

> fingertips. " --Author Unknown

>

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

~

> EMAIL: juliette@...

> PERSONAL HOMEPAGE PAGE http://members.tripod.com/~LizK

>

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

~

>

[Guest guest]

I'm glad you are " ok " and your dogs too!

Take care,

Kate G

Hashi's

AS

At 11:02 AM 3/29/2008, you wrote:

>Thursday I was driving to a town about 40 miles away for a small job. It

>started raining and sleeting lightly as I left the Quad Cities and it

>began to get heavier the farther I went.

[Guest guest]

Thank you!

I am pretty sore in my back yet. The impact really jerked me harder than I

knew, it appears. I can't remember if I mentioned about the methotrexate

problem.. I carry all my meds in a " caddy " with separate days and separate

day sections that pop out so if I want I can carry the day's meds in my

pocket or something. During the accident my caddy was thrown to the

floor and the sections came out. none of the pills did fortunately...

Everything was such a mess and it took me forever to get all the stuff out

of that car and into the rental car. I just used whichever section I found

to take my night meds.

I always take my methotrexate on Friday. The accident was Thursday. I'm

not sure which day's meds I took. I know it is very important to keep your

metho apart by 7 days..and I'm having some elevated liver enzymes of late

so they have been watching my lab carefully. So I'm afraid to guess which

day I took them. Meantime my back, now compromised by the " jolt " and my

right knee (which is becoming very painful and stiff) are a problem. I

think I am just going to take metho today and hope for the best.

My 6 month check up on the mammogram is coming up this week and I'm very

concerned about the amount of stress my body has been going through

recently..and how it may affect any problems I have had in the past (the

areas I had to have removed in September). I also am having issues with

the reflux and assault to my esophagus by the meds. I have to go to Ohio

to help my friend move here but after that I'm to have an endoscopy. The

new procedure they have.. the stretta procedure, sounds interesting.

As Elton says though, I'm still standing:)

As for my dogs.. the little rascals thought the whole thing was a great

adventure...

On Mon, 31 Mar 2008, Kate Guynn wrote:

> I'm glad you are " ok " and your dogs too!

>

> Take care,

>

> Kate G

> Hashi's

> AS

>

Liz Kilpatrick

On the banks of the Mighty Mississippi River, Davenport,IA/Quad cities

~~~~~~

" Giving of ourselves is the way we change the world at the end of our

fingertips. " --Author Unknown

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

EMAIL: juliette@...

PERSONAL HOMEPAGE PAGE http://members.tripod.com/~LizK

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

[Guest guest]

>

> Thank you!

> I am pretty sore in my back yet. The impact really jerked me

harder than I

> knew, it appears.

Dear ,

I am a " lurker " -- pretty sure this is my first post! But I had to

speak up, having had many things changed for me by a head-on

collision 13 yrs ago. Like you, I mostly felt hugely grateful, as

the fact that no one was killed was surely up to powers-that-be.

Getting your mind & body jarred like that has long-lasting &

unpredictable effects. Be patient with yourself. And most of all, be

proactive: get to a doctor, file a report with insurance if you

haven't already. Sometimes things crop up later that are related,

but it's hard for doctors or insurance to connect the dots if

there's no paper trail. You might want to get going immediately on a

claim that would bring auto insurance money in to help with the

additional medical issues you know this will be causing because of

your spondy.

Bethree

[Guest guest]

I am not sure about the claim since I am on medicaid. Do you think I

should still file one? I've never been in a situation like this before.

It doesn't seem like I would get any money if medicaid pays everything

anyway... and I can't " sue " for pain and suffering as it was a self-only

accident... (not that I am a sue-r anyway!)

Active appreciated!

> proactive: get to a doctor, file a report with insurance if you

> haven't already. Sometimes things crop up later that are related,

> but it's hard for doctors or insurance to connect the dots if

> there's no paper trail. You might want to get going immediately on a

> claim that would bring auto insurance money in to help with the

> additional medical issues you know this will be causing because of

> your spondy.

>

> Bethree

>

>

> ------------------------------------

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[Guest guest]

It also depends on the fault and the type of auto insurance that you

have. I had an accident that I was considered 75% at fault and the other

unlicensed/uninsured driver was 25% at fault. Both of our cars were

totaled. But the way our insurance was set up, because I was at fault the

insurance would only cover the loss of my vehicle and his vehicle. So I

had to use our regular health insurance. Most medical forms will ask if

the visit is due to an accident/injury. They want the auto insurance to

pay if they should be paying. So I'd talk to the auto agent/company first.

Good luck..I understand the frustration. With my accident, we found it

bazaar that an unlicensed driver wouldn't be 100% at fault, as they

shouldn't be behind the wheel. ( I was turning left on unrestricted

light. I had time to get through but he speed up(over the limit) and never

moved over to the other lane to avoid the accident. I was crossing the

second lane almost out of the intersection. His little car hit my van so

hard in the rear panel that he rolled my van. )

Kate G

At 07:56 AM 4/7/2008, you wrote:

>I am not sure about the claim since I am on medicaid. Do you think I

>should still file one? I've never been in a situation like this before.

>It doesn't seem like I would get any money if medicaid pays everything

>anyway... and I can't " sue " for pain and suffering as it was a self-only

>accident... (not that I am a sue-r anyway!)

>

>Active appreciated!

>

> > proactive: get to a doctor, file a report with insurance if you

> > haven't already. Sometimes things crop up later that are related,

> > but it's hard for doctors or insurance to connect the dots if

> > there's no paper trail. You might want to get going immediately on a

> > claim that would bring auto insurance money in to help with the

> > additional medical issues you know this will be causing because of

> > your spondy.

> >

> > Bethree

> >

> >

> > ------------------------------------

> >

> > -------------------------------------------------

> > Post message:

> >

> > Set your subscription to digest (one email a day)

> /

> >

> > Contributions to RISG.ORG are tax deductible. Credit Card or PayPal

> > http://www.risg.org/contributions.htm

> >

> > You're Not Alone!

> > http://www.risg.org

[Guest guest]

Yuck, insurance companies are horrible like that. I was found to be

partially at fault in an accident where a car running a red light

caused a chain reaction accident with myself and another car as we

tried to not hit the guy running the light. I thought since the guy ran

the light I'd be totally in the right, but apparently not according to

Geico. The person that ran the light was never caught since we only had

a decription of the vehicle but didn't see the license plate.

Another time, someone keyed the side of my car, but the insurance

company said it COULD have happened due to a bike riding on the

sidewalk too close to my car since it was just one long scratch, and so

they processed the claim as an uninsured motorist collision instead of

comprehensive so that my deductible would be higher.

~

[Guest guest]

>

> I am not sure about the claim since I am on medicaid. Do you think I

> should still file one? I've never been in a situation like this

before.

> It doesn't seem like I would get any money if medicaid pays

everything

> anyway... and I can't " sue " for pain and suffering as it was a self-

only

> accident... (not that I am a sue-r anyway!)

I'm just referring to the police report/ insurance claim that happens

with any accident. " Fault " etc all depends on the state you are in.

Many situations are deemed " no fault " here in NJ. But as long as you

have your initial accident paperwork filed, as someone noted, the next

step is simply to check off 'yes' on the 'injury due to accident?' line

of a doctor's-visit form. Insurance co's take it from there.

[Guest guest]

> proactive: get to a doctor, file a report with insurance if you

> > haven't already. Sometimes things crop up later that are related,

> > but it's hard for doctors or insurance to connect the dots if

> > there's no paper trail. You might want to get going immediately on a

> > claim that would bring auto insurance money in to help with the

> > additional medical issues you know this will be causing because of

> > your spondy.

> >

> > Bethree

> >

Dear Liz -

I have to agree. You need to be sure to get to a doctor to be checked

out and say that it is because of the accident just to have it on the

record as well as to see if anything happened that you don't know

about. You never know what will happen in the future with a claim but

if you don't have that first contact with the police (which I think you

did) and with a doctor, it is hard to reconstruct a claim. I tried to

say that in a post a week or more ago - I was rear ended in Jan 07 but I

didn't really think that I was hurt at the time and my doctor and I

didn't figure out that it wasn't my arthritis until April when they

found I have 3 fractures in my pelvis. By that time, it couldn't be

treated properly and we are having a hard time building a case because

of the time lapse. So, both legally and medically, it is best to get

checked out and cover all your bases as far as filing with insurance

companies. As everyone knows, the meds we take do a real number on our

bones and they don't do well in car accidents! How is your back doing?

I sure hope you are feeling better and that you will have no long term

problems from the accident. You have had enough to deal with and you

don't need anything added on top of everything else.

Meg