Cake Never Made It To The Venue
Business By kelleyincolorado Updated 3 Sep 2010 , 7:21pm by Ruth0209
I work full time as an insurance agent! Each state has different laws. For Oregon, you have to have what's called "PIP" (personal injury protection) coverage. It's part of the liability and Oregon's minimum limit is $15,000. It is coverage there to protect YOU no matter who's fault it is. Once your own insurance company starts paying those bills (up to what ever your limit is) then they have the right to start sueing the party that caused the accident. Untill your insurance company starts paying bills they can't get involved legally. In this case, as long as your state requires PIP then your insurance WILL start sueing the driver. Of course they won't sue him for your vehicle or anything else. They will just get their money back and be done with it.
Someone else brought up uninsured motorist PD (property damage). If you have that then yes, you will get your car fixed/totalled. The state sets the deductible limits. For Oregon this would be a $200 deductible because you know who caused the accident. Again your insurance company will sue the other driver to get the money back that they paid to get your vehicle fixed/totalled.
With the dollar amount all ready adding up you should seek a lawyer! The lawyer will get all the insurance info and take care of that too!
Thank God your alive at this point and the cake worries can wait for another day!
Most everyone carries a cell phone now and law enforcement/EMS/ER nurses were trained to look at the cell phone contact list for the abbreviation "ICE" (In Case of Emergency). I'm an ER nurse and I have done this numerous times. You put your emergency contact person's # under that contact name and we know exactly who to dial. When you have a dire emergency on your hands, we are more focused on saving your life than looking through someones purse. I've only thought about looking through a wallet a couple of times because most people don't take the time to write that stuff down. Since the inception of "ICE", that's the way we go!
I hope everyone will do this BUT I hope I never have to go through your phone!!
In the State i live in here in Australia we often have advertisments on the radio informing people to do this - for this very reason.
I have ICE #1 = husband and ICE #2 = DS.
Should DH be in a meeting and have his phone on silent or switched off then the emergencey crew know to scroll down and look for next ICE person....just because they see the # symbol.
Regarding the OP - so dreadfully sorry to hear of your accident and all that has happened to you.
I don't know of your laws and insurance matters but i do hope that things can be resolved to your favor.
Wishing you a speedy recovery
Bluehue.
Wow, I'm sorry to hear about your unfortunate accident....it sounds like a nightmare! 
I will pray for your fast recovery.
For some reason I always worry about being in an accident (had one long time ago) so I have all kinds of emergency notes in my wallet, in my cell, my car!
My vehicle was involved in a hit and run. Tore up my car. A UPS driver chased down the idiot that hit and ran...did he have insurance? NO. Has he EVER paid a dime to me? No. My deductible was $500 but in Texas at the time, if you were hit by uninsured it was only $250. I find out later this idiot has a little job but they do nothing to garnish wages, etc. You can't get blood out of turnip. If they have nothing you can't get anything.
Only responsible people carry insurance. The rest of the bums on welfare (not talking about people who are not bums but having a difficult time) couldn't care less about hitting your car, maiming you as long as they get their check from the welfare system that you as a responsible citizen funded. I told the cop I didn't care if this reject took the bus to work and ate peanut butter sandwiches for lunch for a year - that he should have to PAY SOMETHING every week. Yeah right. Never happened.
Sorry you were hurt and hope you are better soon.
"ICE" Is a great idea! I've never heard of it before.
But I do have programmed into my cell "husband" "mother " " father". Not sure where I heard to do that.
Take care.
Was his car registered? As part of our registration fee here is Australia, we pay a portion as MAIB "Motor Accidents Insurance Board". In fact I think it is YOUR own personal car registration that gives the allowance for help.
This is from my state ....... http:// www . maib . tas . gov . au /
Maybe your state has something like this so that your medical expenses will be covered?
Best wishes to you, financial stress on top of injury must be very devestating <HUGS>
I was in a really bad car wreck last year. I don't remember the week before or the two weeks after the wreck. I was fortunate that my liability insurance only paid for much of my medical bills and luckily my health insurance picked up the rest. Even if you just have liability please check with your insurance company and see if they can't help pay some of your medical bills down. I am glad to hear you are doing better after the wreck.
My vehicle was involved in a hit and run. Tore up my car. A UPS driver chased down the idiot that hit and ran...did he have insurance? NO. Has he EVER paid a dime to me? No. My deductible was $500 but in Texas at the time, if you were hit by uninsured it was only $250. I find out later this idiot has a little job but they do nothing to garnish wages, etc. You can't get blood out of turnip. If they have nothing you can't get anything.
Only responsible people carry insurance. The rest of the bums on welfare (not talking about people who are not bums but having a difficult time) couldn't care less about hitting your car, maiming you as long as they get their check from the welfare system that you as a responsible citizen funded. I told the cop I didn't care if this reject took the bus to work and ate peanut butter sandwiches for lunch for a year - that he should have to PAY SOMETHING every week. Yeah right. Never happened.
Sorry you were hurt and hope you are better soon.
The courts won't do anything to garnish his wages. You have to go to court (even small claims court without an attorney) and pursue it. If you stay on top of it, you will collect. I know this first hand.
I see PSAs all the time for ICE - in case of emergency contacts.
"ICE" Is a great idea! I've never heard of it before.
But I do have programmed into my cell "husband" "mother " " father". Not sure where I heard to do that.
Take care.
I go one better ... I put a "1" in front of hubby and kids' names so they show up first on the list. Hubby's name is listed as "1-Phil-Husband". Kids are listed as "1-John-son" and "1-Chris-daughter".
I go one better ... I put a "1" in front of hubby and kids' names so they show up first on the list. Hubby's name is listed as "1-Phil-Husband". Kids are listed as "1-John-son" and "1-Chris-daughter".
Oh...that's a great idea too. I've never heard of ICE before (but just googled to find that we do do it in Toronto) or thought to do that. The one time I was in an accident my significant other called me while I was with EMS.
I'm sorry to hear about your accident. I guess they paid for a cake and didn't get it so a refund is fair, but MOB harassing you for it right away is a bit harsh.
And sure, he may have nothing to garnish, or he could. You never know until you try. Of course suing him would be taxing on you but so is shouldering all of that debt. Unless there were no witnesses this sounds like an open and shut case especially since the lack of insurance kind of shows him as an immoral human being, and who's going to side with that besides the lawyer he's paying?
Wish you all the best and good luck with however you decide to go forth.
I checked, my phone doesn't have an ICE file, but I have always had 1davehusband and so on. Also speed dial corresponds. So I hope if something happens the EMTs will check that. It's kind of scary to think they did not call as directed by your card!
I wish you well and am sorry to hear about your awful accident.
Is there not a fund in your country/area that pays out for people who are hit by uninsured drivers? in the UK there is a MIB - motor insurance bureau. every driver who pays insurance (yes the law abiding ones!) contributes out of that a small sum into this fund. Then if you are ever hit by an uninsured driver the bureau will meet your costs first and then pursue the uninsured themselves to save you all the stress/heartache/bills yourself. Still a disgrace that it has to be those that pay insurance that have to supplement just in case some idiot who doesn't pay insurance hits us but it is at least there in case. Might be worth checking?
I checked, my phone doesn't have an ICE file,
You create this just like you do any other phone number. Like instead of me putting "Phil" in the name, I'd put "ICE". Then I'd put my husband Phil's phone number.
Oh!! Now that makes sense! Thanks!!!
Some of the newer cell phones now have an "ICE" button near the green "SEND" button. My husband's 84 year old grandmother has it on her phone and my FIL had to reprogram what number it dialed when pushed because Grandma kept bumping it and calling his cell phone by accident (LOL)!!
Hi Kellyincolorado, I'm sorry about your accident... such an unfort. thing to have happen. If you do not have auto ins. nor health ins. You need to go back to the hosp. and have a rep there help you apply for Medicaid. THIS is what Medicaid was org. set up for. To help people when they are in an unforseen situation and need the help to get out of it. If the hosp. rep can't or won't help you, go to your local Medicaid office. I know some people do not like the thought of applying for Medicaid, but if you have worked your whole adult life, you are entitled to the beneifts, as you have paid into the system. If you do nothing, the hosp. will turn the account over to a collection agenty within 90 days. I know, I work at a hosp. They want their money, fast. If you do not meet the requirements, make sure you ask them if they have "share of costs", this is a diff. program, they do not always mention this one. But from the sounds of it, if you're self employed and no insurance, you're prob. going to qualify. Good luck and if you have any spec. questions, you can pm.
Amy
If you have a website, put an emergency contact section on the Contact us page. Then list in the contract the contact information. And for something like what you experienced, in the future have your assistant and you do a follow up check up. Say you have a delivery at 4 pm, she calls you at 3 pm to make sure you are soon to be on your way and then follow up at 4 pm to make sure you are on site making the delivery. That way if she can't reach you at either interval she knows to go to the shop to see what is amiss, and if the cake is still sitting there at the time of delivery she knows something is wrong and can deliver the cake in your absence, then find out what happened. Just make sure all cell phones are fully charged
That, or couldn't you just put her name as an emergency contact in your purse?
In an accident, don't the police look through your things to find an emergency contact number in case you are hospitalized? If the police were to call your assistant, she'd immediately know to check the cake orders for the day...
This is exactly what I was doing. Her number is first and next to it, it says to call first. The only thing I can figure is she's a student and has an out of state cell number and maybe the person who called (I have no idea who it was who called) didn't want to dial it?? This is one of those things that will remain a mystery. They called my husband but left no message and he didn't think anything of it. My younger sister was the one they got a hold of and she doesn't have anything to do with my business.
Was his car registered? As part of our registration fee here is Australia, we pay a portion as MAIB "Motor Accidents Insurance Board". In fact I think it is YOUR own personal car registration that gives the allowance for help.
This is from my state ....... http:// www . maib . tas . gov . au /
Maybe your state has something like this so that your medical expenses will be covered?
Best wishes to you, financial stress on top of injury must be very devestating <HUGS>
We need to move to Australia
He had no license, insurance or registration. And as of today they cannot get a hold of him. I suspect he's left the city. He is not a citizen and there seem to be no real contacts for him.
What a terrible accident. I hope you take all the great advice here to talk to the hospital about programs that could help you with the bill and about talking to an attorney (although if the jerk has left the area, there may be no point in that). I hope you have a speedy recovery.
My cell phone came with an ICE file in the Contacts ready to be completed with the names and phone numbers.
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