Almost two years ago, I was in an auto accident, struck from behind by another driver. Since then, I have lived in constant discomfort. I’ve gone through countless medical procedures, tests, physical therapies, chiropractic treatments and others, all to no avail. My medical bills have been astronomical.
My injuries are permenant. Considering this, I got a lawyer to deal with any potential suits/settlements.
I made it clear from the outset that I had no interest whatsoever in suing the other driver. She was a sweet old woman who called me frequently to see how I was doing, and tried her best to get her insurance company to cooperate.
The problem was, she only had $25,000 of coverage. My medical bills alone have been more than twice that amount, and I pay out-of-pocket almost two hundred dollars a month for pain medications.
My insurance policy had underinsured driver coverage which is supposed to make up the difference.
My lawyer called this afternoon and left a message on my machine that a settlement had been reached with her insurance company, my medical insurance company, and my auto insurance. He informed me that my auto insurance company is going to sue the old lady personally to try to recoup the costs.
I’m agonized over this. I feel tremendous sympathy for the old lady. She seems to be a genuinely nice person who had the great misfortune to make a mistake. There, but for the grace of God, go I.
It’s eating at me that she may lose everything because of it-- everything she and her husband worked for her whole life. If such a thing happened to me, I could rebuild-- I’m young and I’d have time to work my way back to where I am today. She’s in her eighties. I’ve seen what happens to the impoverished elderly, and it tears me up to think I might be sending her into such a life by accepting the settlement.
My family tell me that while it’s unfortunate what is happening to her, I have to think of my own future. I’m certainly not getting rich off of the settlement. (I don’t yet know the exact dollar amount, but I highly doubt it will be much more than my expenses thus far and a bit for future expenses.) They say I have to think of my own family, and the burden my expenses are putting on us.
To put it simply, I feel terrible. I know what I must do, but it’s grinding at my heart.