Sunday, May 27, 2012

A Photo a Day Pt. 2

I have nothing significant to share, and if you recall, a few blogs down, I was doing something called, "A Photo A Day". I thought I would like to share a few more since the last time I posted.

You can see the previous set, by clicking on the link (label) below, titled, "A Photo a Day 2012". I hope everyone has/is having a blessed memorial day weekend! Bless our troops both past and present.
A few photos:
14 May 2012; A giant grape..

13 May 2012; Different shades of May

12 May 2012; My weathered birdhouse

15 May 2012; Mother's Day Rose from my daughter <3

16 May 2012; My Cato Potato is getting old..

17 May 2012; Weed Flowers Through the Chain Linked Fence

18 May 2012; A Healthy Midnight Snack

19 May 2012; Apple's from the Apple Tree at 9 pm

20 May 2012; My Son - The Future Makeup Artist of the Stars ;)

21 May 2012; Tiger Lilly in the Evening

26 May 2012; Midbloom Beauty (I skipped a few days)

27 May 2012; A Boy Love's His Daddy's Dirty Hat :))

28 May 2012; I found this dress at the Gymboree outlet for $9 - It was way too mod/vintage and mad men inspiring, so I had to snag it! I will use this in a photo shoot at some point down the road. Have a great weekend, dear readers!!

Saturday, May 26, 2012

Farmhouse Inspired Wire Basket

Despite some of the daily stresses and procrastination the last couple of months following my car accident have brought me, I decided today would be high time to get out of the house and ENJOY some stress free time.

 I still haven't received my settlement (and I don't care to be honest, I just want my medical bills taken care of so I am out of the harassment pool with threats of being turned over to collections).

UGH. JOYS of no health insurance and someone else's bad driving - it costs you more than you can imagine.

So instead of dragging around the house, I decided to go out to the pottery with the kids and Doug. While rummaging through things I was "ooooh'ing and aaaah'ing" over, I found these BEAUTIFUL galvanized twisted metal wire baskets!! OH MY WORLD!!

I initially had a locker room basket in my hand, but when I found this one, I was just smitten and had to get it. It had a rustic old farmhouse look to it, and I knew exactly what I wanted it for! - My built in cabinet in the bathroom.

By the way - I am giving that an awesome (budget friendly) HUGE make over. I can NOT wait to share it with you all!! SOON!

But for now, this BEAUTY :)) - I have seen them online for $48, but picked this up for $16! What a steal!

Thursday, May 24, 2012

It's been a nightmare..

I never imagined that when I was rear ended and through no fault of my own I would have so much stress, tears and headache associated with this whole ordeal.

If you (like myself) have never been in an auto accident before, you are more and likely ignorant to everything (like myself). You want to believe in the good of the insurance companies. You want to believe that they aren't as evil as lawyers make them out to be.

You think, "okay,I was hurt, they will pay my medical bills as they come". Only, they don't. They won't pay until you settle. If you are like the majority of Americans and don't have health insurance, and your OWN insurance PIP (MedPay) is exhausted in hospital bills, you are virtually screwed.

(Before I go any further, I want to say I love my insurance company, State Farm, they have gone out of their way to reach out to the at fault company and help me, they have made calls on my behalf to get the adjuster(s) of the at fault company to call me back when they otherwise had given me the run around. I think having a policy with them, has proven time and again that they are a wonderful company with hearts. I won't mention the name of the at fault driver's company for legal reason, but it is an insurance giant. THANK YOU LORD, for my insurance, with out them I would have been royally hung out to dry. It also reaffirms my decision in keeping them for all my Dad's new construction policies, they are there when you need them, they don't dodge ball you, I'd recommend them to ANYONE)..

With no money to pay them yourself, and kids to feed, you know you are hurt, but you stop treatment in order to try and hurry a settlement so that your bills will be paid in a timely manner.

You realize any attorney will take 1/3rd of your settlement, and with your medical bills being high, and no real guarantee or no set in stone number of what they will even ask for during consultations, and you are told by attorney after attorney that they can't guarantee even your medical bills will be covered after their fees, you are left to your own devices.

You act as your own paralegal, you collect all your medical bills, you make copies of everything, calculate your mileage and fuel costs and out of pocket expenses and you prepare a demand letter to submit to the at fault insurance company.

You call them and nag them every other day, sometimes you give them a week.

Your bills are coming in and you are being threatened by the hospitals to have your account turned to collections. You are given the run around by all parties involved (those you owe money to, and those who owe money to you).

Your stress causes heartburn, your anxiety causes lost sleep and you don't know huge legal terms and kind of try to wing it. Eventually you do hear from the at fault insurance company who offers to pay all your medical but says they can only give you $1,000 for your personal injury/pain and suffering. Mind you your under duress and you have stopped treatment just in order to get the bill collectors at the facilities you were treated at off your back and to rush a settlement. You ask for slightly more. You tell them about your med pay and they offer to reimburse your med pay and hospital expenses.

You are left to think about it over night, meanwhile the big insurance giant knows they have you where they want you.

AND with all do respect, I know they have a job to do, but it just sucks you're unfortunately at their mercy, even when the accident was not your fault.

Two days go by and you call and call. No one calls back, so you ask to speak to their supervisor, only it's a message machine (always is). You inform them that you have done all you could on your part, you've done the leg work to collect all the bills, you've submitted everything accordingly and you demand a settlement or you will take their policy holder to court (who in turn can take their insurance agent to court for bad faith).

15 minutes later (literally) you get a call from your adjuster. You feel bad for calling on them, because it is their job, but you also feel bad for yourself because you're swamped in bills you should not have to be up to your ears in.

They offer $500 more. So at this point you have your medical bills being offered to be paid out (your main concern), your 2 thousand dollar med pay reimbursed to you and $1,500 from them. You say "I accept", just please pay these bills soon.

You are told, once you sign and fax this release, (releasing their policy holder and them from all future medical claims) and scan and upload it to them, they will cut you a check and pay out your providers within the next day. You read it over have a few questions but ultimately sign your life away and sent it over.

Within two hours the claims website emails you to notify you a check has been issued do your portion of the settlement.

After re reading the release you notice strange language, that includes property damage, and you think, "oh dear lord, did I just screw my insurance company out of their subrogation"?? You panic, you're up all night calling your insurance and theirs (mind you your insurance has yet to contact you about subrogation and you have no idea how it even works, just that you may of signed your rights away and become responsible for paying it back and your personal settlement doesn't even cover collision damages).

You're sick to your stomach, you cry your eyes out, you feel tricked and deceived and you submit a quick letter to the claims website asking to retract your signed release due to the fact "money is not in hand" as the contract states and that you felt you were not given all information needed and signed it under duress with out a witness.

The very next morning you get a call from the at fault company bright and early, promising that it's only a medical release and nothing more,promising subrogation will still be paid out. You feel relieved but still skeptical, so you record the entire conversation and the phone messages. You get a letter back from said insurance company promising it is only a medical release. You feel relieved...


An attorney tells you it can be a trick, your insurance company says it should be fine and you're left praying this person has a heart and won't screw you over.

That is where I am today, two months exactly after my accident. A check is on the way - which will go directly to savings and untouched for a long time until all this is over - just in case. And your medical bills have yet to be paid off - STILL.

The icing to the cake? You get a final notice from the hospital today, to pay the remaining $2,500 you owe, even though your insurance company just forked them $2,000 in med pay. You ask for an extension until the at fault company pays it off and let them know you just settled and it will be any day now. They tell you, "no" and say you have 18 days to pay or you go to collections, you ask to set up a payment plan and are told it could take a week.

I am praying that this will all be over soon. I am praying so hard I never have to deal with this again. Someone who is injured through no fault of their own should NEVER have to go through what I have gone through. NEVER.

My spinal, and neck vertebrae are still dislocated, my stress is so high my blood pressure is higher than it's ever been, and my anxiety is insane. When I drive I always get a horrible burst of anxiety as some one gets too close or speeds up on my tail end. I don't feel I will ever be the same - EVER.

Was all this worth a $1500 settlement? I'd say NO, but when you have kids and need the bills off your back, it is.

My advice next time? (God forbid)? Go attorney shopping, find a good one. One who will not RUSH through the consult, one that wants to MEET with you IN PERSON, as opposed to just their paralegal. Sure an attorney is 1/3 contingency fee, BUT, they KNOW what they are doing (you do not), and chances are big insurance also knows this and will toy with your emotions.

It's worth it to not have the stress. COMPLETELY.

I pray to god it wasn't worse, and I am thankful to God, my children were not with me that one time (as any other time they would have been). I am so thankful. I am however very upset with the turn of events.

I am thankful that this will hopefully be all over as soon as my medical payments are paid out and I am no longer in credit limbo for something I did not do.

I want to cry - STILL.

I am sensitive, and I stress easily, it's hard to take care of your kids when you are stressed to death, and you can't pick them up because your lower back is aching.

There are a lot of "woulda, shoulda, and coulda's" involved. I just want the nightmare to end.

I want to never see a commercial with that smiling little insurance character EVER again. - Sadly one is right by my house (agh).

Again, I should say I have no real hard feelings for my adjuster, she is just doing her job, and is probably up to her neck in claims. If only people would learn to pay attention when they drive, be considerate of others they share the road with, and if only you had magical powers to make your car disappear when someone is fixing to hit you.

If only....

I don't wish this on my worst enemy.

Saturday, May 12, 2012

Coupon it up @ Kohl's! :))

I did a lot today. A LOT. First I went to a few pawn shops trying to pawn some scrap gold I have. One place offered me $40, but he was honest and told me where to go to get more. I thanked him so much for his honesty and time and went to the other place. At the other place, I didn't sell my diamonds, because it wasn't going to be near the value they cost. But I did sell some old necklaces I had as a child with Winnie the pooh and other things I'd never again wear. I also had the diamonds removed from an old ring and scrapped the band for gold. All in all I gave a VERY small amount of gold and I made $100.

I was broke, and it would just sit around, so it was a blessing.

I then headed to Kohl's armed with a $10 off any purchase coupon. There I found two shirts for MiMi on clearance, marked down to $6 each (from $20 sticker price).

After my coupon, I only paid $2.14 for both.

It's a great day in this FRUGAL household when you can get a brand new summer top for $1.07 a piece.

I like the little shoulder keyhole. haha.

Tell me, dear readers, what wonderful deals have you scooped up lately??

Friday, May 11, 2012

A Photo A Day??

I decided, in order to kill daily stresses, I'd take on a photo a day challenge. - I mean, why not?? Still having issues with my back, and dying to finish my den, but alas I will hold out until I feel 100% (or 80ish maybe?). Still have yet to settle with the insurance company :/ Maybe soon? In the meantime, here are some of my "photo a day" entries :) Maybe a bit of calm to the day! ENJOY :))
6 May 2012 - Super Moon

6 May 2012: Dandelion Puffs In My Yard

7 May 2012: Me, Ready To Paint Some Base Boards

8 May 2012: The Window To My Back Yard Shed

9 May 2012: The Sun Through Darkened Tree Leaves

9 May 2012: Gladiolus In My Flower Bed In Bloom

10 May 2012: Gladiolus In My Flower Bed in Full Bloom

11 May 2012: Mapple Tree Leaves in My Yard

So far, so good. Definatley something I plan to keep up with for the rest of the year.  The kids are doing well, MiMi's last day of school is June, 8th, and then she will be going onto 2nd grade.

WHAT?! I know, it makes me sad also. She is just growing far too fast for me...

Matter of fact, so is my little guy...

Hope everyone else in the blogosphere is doing alright. Be blessed :))

Wednesday, May 2, 2012

Official Diagnosis From Car Accident

Today my ins. co sent me a summary of my billings from the chiro. it enclosed my diagnosis as well.  As I stated previously, the hospital sucked up my med pay and so I am stuck with this (until I settle with at fault company that is).

But here is my official diagnosis' based on the x rays from the chiro:
* tension headaches (that were a result of...)
* closed dislocation multiple cervical vertebrae (this was the cause of the accident related 2+ weeks headaches)
* closed dislocation lumbar vertebrae
* closed dislocation sacrum

Closed just means that the injury is under the exterior (no skin rips, it's enclosed by my body).

And here is the diagnosis from my 2 day follow up at the hospital:
MVC (motor vehicle collision) Chephalgia and abdominal contusion

I have since asked the hospital to send me an itemized list of what they are billing both my and the at fault parties insurance company (they said they did it Monday, but I have yet to receive it and local mail arrives the next day)...but they also said they would not bill my personal med pay and they did (liars).

So I have no idea what my total bills from the chiro or the hospital are, but I do know the last time I called it was over 5k for the e/r visit and follow up.

Funny how the chiro is much less and they helped me much more.

Today I was discharged from the chiro. My 3x a week adjustments are now over, and he recommends I come back once a month to maintain. (and I will).

I am still undecided on a lawyer but I think at the rate I am going I just get frustrated with everyone involved.

My headaches are better - my back still gives me grief when i wake up in the morning or over due myself and it's just annoying when you have two young children to take care of and you know you are not 100% yourself.

I just wanted to be done with the chiro because the 3 x a week was getting to be a lot of back and forth driving and bringing my kids to each apt. when some times they'd act out was hard, but their office was so good with them - THANK GOD :)

Tuesday, May 1, 2012

Unintentional Hiatus??

I apologize for being gone for such a long while. I had full intent to come here and blog it up, but for the last week when I tried to log into my blogger account all I would get was a white screen. After pretending I know anything about computers, I tried to my hearts content to google a solution, to no avail. Eventually someone on a help board said to download google chrome.

PROBLEM SOLVED. WHEW. I would of hated to have lost it all  :/

Now that I can finally log back in, what is new? Well, a month after I was rear ended, I still have not received any type of settlement from the at fault driver's company - EVEN with them accepting liability.

I hope everyone else has been blessed. :))