Sunday AM

Met a Dwarf that was no good - dressed like Little Red Riding Hood.

Why don't you play the tune now?

I don't like music.

C'mon you little geezer.

You'll look funny when you're fifty.

Fifty.

Fifty.

(But, Fifty-Four?)

Time to piss and moan a bit. There. Done.
Karen has to work tonight for the Giants-Colts game - SUCKS.

The big problem at hand right now is that my gas tank is running low. Personally, of course. The first bill cycle is two weeks away and there's STILL nothing from State Farm. I get the distinct impression that they would rather me get an attorney and go full tilt with my injuries. My back is still turning tricks and my shoulder is unbelievable. I can't sleep on my right arm for the pain. And this here idiot was going to be satisfied with a pre-determined amount that I hold in my head. This amount would take care of it and get SF a signed release. But since adjusting for State Farm has moved backward to the ice age, they don't communicate at all. I'd say it was the old, "Ignore it and it will go away". I will not go away and I don't make idle threats about attorneys. I've tried to be nice, but there is a limit to everything.

No wonder GEICO and Progressive are eating your book of business for lunch and dinner. Let's speculate. Microdiscetomy - 5th lumbar to repair herniation - $50K plus P&S. Right shoulder - rotator cuff/bursa tear - $35K plus P&S. Roll those figures around a bit. Add the diagnostic costs for a couple of MRI's. And if I go to an attorney, which I DON'T want to do, they look to sharkbite you on the ass.

One Hell of a lot more than the, let's say, ten or so thousand that could get you a signed release. Do the math. And by all means, consider that I'd be more than happy to go for an IME. Prove my statements to you. Make cake for you to spend. The impact that your insured driver put on my little car was catastrophic to and for me. Additional expenses. CRAP. And I could just keep going to Ochner and Humana and drag your claim file out for as many years it takes. File suit next year to avoid prescription and cruise until it all gels right. And I TOLD you I was an ex-adjuster. I TOLD you I wanted to take care of this quickly. You probably dumped me to your SIU unit. Check my fraud capacity.

Sooner or later, but I'm not going to continue to goof off with no chance of a reasonable settlement.

To continue to go to the shop and help out while enduring this agonizing pain will only happen for so long.

OH YEAH! Don't forget that you're aggravating the HOLY SHIT out of my Myasthenia Gravis. Again, Google it!

When does the pain go away?

So here it is, going on two weeks since I spoke to the State Farm Claims rep about settling the claim.

Just how long does it take to assemble some medical bills? Two bills from Ocshner and a weeks' worth from the physical therapists. Is that so difficult?

And what will they do when they get them? My biggest question concerns their handling my pain and suffering. Because of the Myasthenia Gravis I cannot do physical therapy. And I will not risk any kind of surgery for risk of infection that could make me severely ill or kill me. My shoulder hurts like Hell and my back is doing a "wait, you'll see". Thats actually when I move or dip the wrong way and it tightens that grip on the L5 disk.

I know that I am getting damn tired of waiting. What in the Hell are their TIP guidlines? How often do they diary? Seems like they are trying to push me to an attorney. Shit!

WILL THEY DO THE RIGHT THING AND BE FAIR WITH A SETTLEMENT OFFER OR WILL THEY MAKE A TOKEN BULLSHIT OFFER THAT WILL PUSH ME TOWARDS LITIGATION?

Who knows? I find it amazing that an adjuster for a major insurer would blow off a claimant that was hit from behind in a case of clear liability. And after calling TEN DAYS ago and requesting they generate a settlement offer, they sit in a puddle and blow fart bubbles. But this could be the regular plan. I'm a claimant, so they owe no duty to me. I've been completely honest with them and let them know that I was a appraiser and adjuster for major companies. Even a field claims supervisor for the 'gecko' and a claims manager for a state based muti line company. Not to mention a multi-line adjuster for an international offshore catering company. Fully licensed to throw the dice.

Now I sit and wait for a HOPS clerk to make up her mind to call me... What a fucking crap shoot!