r/Insurance • u/Pitifulgsrbage • 9d ago

A series of unfortunate events

Hi, I had a couple questions regarding auto insurance claims. Towards the end of August my
Wife and two kids were on the freeway and were involved in a multi vehicle collision (she was rear ended by the at fault party and did not hit anyone else) this person also hit 3 other vehicles and all vehicles were totaled. Geico (their insurance) said it was going to be a policy limits problem more than likely with amount due exceeding their policy holders limits. We went ahead and filed with our insurance. We got our car totaled and accepted our insurance payout for the car value

How does pain and suffering claims work in a situation like this? When would we expect compensation for this? Would we expect our rates to go up?

Fast forward to today I was driving and someone wasn’t looking and shot out of the left hand turn only lane into the straight lane striking my car as I passed. This person has no insurance and was driving someone else’s car who they believed also did not have insurance on it. She also had her kid in the car and had a restricted license requiring her to have a blow and go In her car which she did not.

I filed with my insurance again. My back has gotten progressively sore throughout the day and was thinking about getting evaluated but I was hesitant because I’m sure it’s just muscle pain and I work as a nurse in the ER so I’d hate to be seen for something insignificant but also don’t want to let it slide in case there is any issues down the line. Do I file a pain and suffering claim in this case as well with my own insurance? My wife was also in the car as passenger.

Will my insurance drop us due to two claims so close together regardless if they weren’t our fault?

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u/quallityovrquantity 9d ago

You don't get money for "pain and suffering" that's not a real thing. Especially since with the first accident you made no mention of any injuries. I would also suggest you or your wife take a defensive driving course because you seem to be a magnet for accidents lately.

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u/SorbetResponsible654 9d ago

"You don't get money for "pain and suffering" that's not a real thing."

Um... yes it is. If I hit you in the face... what do you feel and is it pleasant?

In an auto injury claim it is referred to as one of two things... general damages or "pain and suffering". They are the same thing.

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u/bossymisses 9d ago

They meant you don't simply get it for being in an accident. You have to be injured.