And I just wonder what advice you folks might have for me. You remember my car accident last December 9th that totaled my Chevy Malibu, don't you? (How could you forget if you've been reading my blogs?) Anyway, after two months of insanity with them over my car, they finally saw the light, realized how ridiculous they'd been in compensating me for their client's error, and paid me for my car. However...
Allstate still hasn't settled with me on my medical bills. I had to pay the stupid bills that they are responsible for because they won't pay the medical bills until I stop seeing the chiropractor. That's dumb. The chiropractor didn't cause the accident and make me have to go to the emergency room and get x-rays, etcetera. But because I am still seeing a chiropractor--they still won't pay them...no offense, nothing personal...just standard pressure procedure.
Every so often Allstate calls me (different person every time), and asks me if I am still seeing the chiro. I say yes, and they say they can't pay me anything or pay the bills until I settle. I say, Okay, and wonder if I will ever see a dime of what I've paid out. Feel the pressure? I do.
Meanwhile, I began to feel quite a bit better, and was able to blowdry my hair without taking 5-minute breaks, so I decided to tell my chiropractor to just go ahead and send in his bill to the insurance company. (Yeah, I caved.) But he shouldn't have to wait for his money and they aren't going to settle with me until I stop going to him. Well, he sent in his paperwork but I'm still going to see him. It helps alleviate the pain.
Remember a few weeks ago when I simply reached for a piece of paper on a shelf at waist level and pain erupted again in my back? I wondered then, if I spoke too soon in letting the chiro send in his bill. I can't remember when I felt that bad, other than the days following my accident. I had really felt much much better from my treatments, and was able to finally dry my hair, roll it and not have any pain. I still had lower back discomfort but chalked that up to old age (yeah, I know...I'm not old) and degenerative disc. I just don't want to be so limited with my neck. But there I was again from simply picking up a piece of paper. Pain in my neck and shoulders. Yep. Started the first part of May. (Shhh, don't tell Allstate.) I started paying up front for chiropractor treatments because we sent the final bill into the insurance company on the accident.
Now I'm having second thoughts. I'm still seeing my chiropractor but only scheduled once a month. Dagnabbit! It helps the pain. But I couldn't keep waiting on Allstate to get my money back for the other services. I need my money. I shouldn't have had to pay those bills in the first place. That 2,000 dollars will go a long way in paying the chiropractor for treatments now. He can't keep seeing me for nothing. Allstate has had his bill for a bit over a month now, and they still haven't paid me back for any of my medical bills.
I suppose I was stupid to settle without knowing if there is something going on in my neck that was overlooked with a regular xray. I hate to put out more money that the insurance company won't give back to me to have an MRI. Sigh...such a quandry. Always a quandry. Praying I make the right decision. Praying, praying, praying. With my luck, Allstate will finally settle with me, then I'll find out I need some kind of surgery that will cost a fortune. Double sigh. Oh...yeah...I forgot. (The Holy Spirit just reminded me of something). "The Lord will perfect that which concerneth me." Psalm 138:8a He keeps me looking up every time I begin to look down.
[P.S. I'm beginning to see why people get attorneys when they get into accidents.]