How much should i get for home owner's claim?

by M. Janicki

A year and a half ago, my date hit me in the face with a bottle of champagne. Thus resulting in an establish in my front tooth. Whole hurts over $ 8,000.

I missed tons of school and work, and had to drive an hour to the dentist each time.

Insc. only offered me 1500 for my settlement. Am i getting screwd?
Your right I was unclear.

The incident happened at his house, I filled a aver under his home owners insurance, Liberty Mutual. He was drunk, I was sober, and it was an accident when he hit me in the face.

They are paying for all of my dental costs. The $ 1500 is for my settlement.

Thanks for all the advice!
Do i sue the insurance company or the guy personally?

thanks again for the help!

Answer by siamesedharma
Maybe. They may feel it was partly your fault for dating such a wonderful guy. Do the reasons they give you (for offering such a low amount) sound valid? Did you have any dental or medical insurance coverage that might apply? Did you press charges and sue the assailant? Does your state have a victims help program that might help?

Answer by mbrcatz17
Not by the insurance company, but your date sure did a number on you.

The INSURANCE company will only offer you “medical payments” coverage, because assuming he did this at his house, it was an INTENTIONAL ACT, which is EXCLUDED under his liability coverage.

So only the “no fault” medical coverage would apply. NORMALLY, the medical payments limit is $ 500 or $ 1,000. Clearly in this case, it’s $ 1500, or they wouldn’t be offering you that much.

If you take it, be SURE you’re only signing off on medical hurts, and you aren’t agreeing to not sue him for the rest of the medical costs. Then you sue the hell out of him, and you’ll get your $ 8,000, plus pain & suffering, in the courtroom. Of course, COLLECTING the money is a whole different matter.

Answer by AD
You did not provide enough information to really answer this question. There is probably a whole lot more to the tale than what you are telling us.

Based on the small information you provided:

It may maybe be the insurance company is extending a “nuisance offer”. There may be reasons why they feel they are not liable or coverage is questionable. Sometimes in persons cases you make a nuisance offer – it is a small offer that is made just to make the aver go away and avoid litigation expenses. The insurance company knows they may maybe go to court and probably win, but it would cost them more in expenses than what they are offering. So it is worth it to make a small offer just to make the aver go away.

The best business to do is question they adjuster what they based their offer on.

Answer by Shane W
There are a lot of unanswered questions here, but let me give you some insight in what the adjuster is probably considering. 1) The whole amount of your dental/medical expenses; 2) The length of time in which you experienced “pain & suffering;” 3) Your relationship with the insured (your boyfriend) and the circumstances surrounding the loss; 4) The venue in which the a possible lawsuit would be filed (is this an county or constituency where juries award a lot of money?); 5) How you and your boyfried present as a witness on your own behalf; 6) Whether or not you’re fully recovered or have ongoing problems, symptoms or scarring.
There are additional considerations, but this is a excellent start. You should talk to your adjuster and see what he/she is thinking.

Answer by Barry auh2o
They paid your dental expenses,and are also offering you $ 1500? Grab it and run.

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3i dental establish

My fiancee has a tooth that is cracked in half (one half of it is entirely missing) and another that a fourth has chipped off. They want to do a root canal on both teeth, a build up, and then place crowns on. Our only option is the pay the cost because we want him to have his teeth and implants cost more than crowns AND veneers! But can they ever repair his teeth this far gone??
Can they EVEN repair his teeth this far gone?*
I might add that both teeth have fillings in them as well. He has very weak teeth, he grinds them at night too.

Answer by William
No, the tooth that cracked in half is unrepairable. The additional might be repairable with a filling, depending on how much of the tooth is gone. Implants are not necessary, but. A root canal with a new crown would be a less expensive option.
Check with a second oral surgeon to get more information upon which to base your choice. If the chipped tooth is repairable, I’d go for it and have just the one root canal. And have a overflowing supply of Motrin available, ’cause it’s gonna ache for a couple of days…

Answer by like can hurt
umm they will pull the tooth out probley and make him a fake tooth

Answer by grandpa walleye
A root canal , post build up, and a crown is a proven method of treatment that has stood the test of time. Yes it can be done and the teeth saved. The additional options are implants, extraction and replacement with a fixed join or a removable partial. Excellent luck to him.

Answer by John Bridger – DDS
Most teeth that are as broken as you say can very successfully be brought back to fantastic shape with the procedures the dentist diagnosed. The plot sounds excellent. But without the root canals, build-ups, and crowns, just simple repairs won't do the job. The teeth will hurt and ultimately be lost, along with the money spent to just repair them.

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