Photo of Panic Media

Panic

Comments

Post a comment...

Badges

Panic Media hasn't earned any badges yet... have you?

Blurbs

About me:

.. ..
In February 2006, I was in a near fatal car accident.



An accident that has left me with some serious injuries. I shattered my hip socket into 5 pieces, broke my pelvis, busted my bladder which resulted in bladder reconstruction
surgery, tore my liver, had my spleen removed, broke ribs and was placed in a drug educed coma the first week.


Needless to say, it has been an extremely difficult recovery.

The one thing I wasn't prepared for was being out of work for going on 7 months at the time of this writing. I was fortunate enough to have some savings which I thought
would be sufficient during my recovery, as I was told by the doctors that I would be able to walk after 4 months, if I stayed off of my hip for the entire period.


Although I am able to walk with the aid of a cane...

I am no where near being able to work a regular job, consult or freelance as I did in the past. The disabling pain prevents me from doing so. In addition, my concentration
level and tasking skills are also diminished as a result of the drug induced coma I was placed in. Not to mention the incredible pain that is constantly on my mind.

When I got home I was unable to lift myself out of bed alone...

I was 50 pounds lighter (mostly muscle weight), unable to even stand on my one good leg and needing the help of one sometimes 2 people to help pick me up with a strap
around my chest just to transfer me from the bed to a portable potty chair not more than a foot away. I was even unable to have my family take me home, from the hospital
I had to hire and pay a service $100 just to take me home from the hospital in a wheelchair because I basically had no muscle and no strength to get in and out of a car, with
or without help.

Sooooo. What does all this have to do with your insurance coverage?
 
Well like so many other people out there, I was a responsible driver with a new car; and of course I had full coverage insurance to protect me if anything were to happen. I
even had insurance over what the law requires of motorists.
So when I had the accident, I thought everything would be taken care of, the car paid off, medical expenses paid and the passenger would get $100,000 for the accident.

You know the old adage, "What you don't know wont hurt you"...

 yeah well guess what?

After I was released from the hospital after a one month stay, my insurance company called me to finalize everything. As expected they paid off most of the car (GAP
insurance picked up the remaining balance), and they paid off the passenger with $100,000. Now comes the fun part. I received absolutely NOTHING for my medical and
living expenses!!! Come to find out, even with full coverage insurance...it doesn't cover the insurer.

PAY CLOSE ATTENTION TO THE NEXT FEW SENTENCES!
 
Even with "FULL" coverage, as the insurer, I was not covered. I wasn't even covered for medical expenses.

Yep. That's right, I did not nor will I get one penny from my insurance for any of my medical bills or ongoing treatment, supplies, doctor visits or expenses while recovering.
In order to be covered, you have to have additional insurance which is "Not Common Coverage", you must ask for additional coverage in the form of MEDICAL COVERAGE.

What does all this have to do with me?

If you're asking yourself, "What does all this have to do with me, I have full coverage car insurance, I have medical insurance and I'll never be in that kind of an accident?",
then ask yourself these questions.
  1. Do you have enough savings to cover ALL of your expenses for at least 6 months to a year.
  2. Can you afford to buy/rent necessary medical devices to assist you in being comfortable during recovery? (i.e. an adjustable medical bed)
  3. Can you afford to buy/rent a mobility device to help you get around when you cant walk? (i.e. scooter, wheel chair)
  4. Do you have enough finances to get another car when your car is totaled out by your insurance company?
  5. When you do start getting around, do you have the resources to maintain either the same lifestyle you had before the accident or a modified lifestyle.
  6. Will you have the resources to have someone help you with your day to day care when you cant do it. Even with family/friend helping, can you afford a duty nurse if necessary.
  7. Will you have transportation to all of your doctors appointments because you wont be able to drive.
  8. Do you have the legal resources to fend off a lawsuit when your passenger calls Larry H. Parker to sue you. Yes, this actually happen to me. It's a sobering moment when an attorney starts looking for all of your assets including your business, your savings, your house and property to present to their client for a suit and advise them to go after all of it.

Fortunately for the same greed that motivated the passenger to call attorney, was the same greed that foiled their own lawsuit, as they wanted to get what the insurance
company paid more than waiting for and paying the attorney more money to proceed with litigation.
If you answered "NO" or "I DON'T KNOW" to any of these questions...then guess what? You cannot afford to get an accident. Think about the word accident (an unexpected
event), if you consider what an accident is...you cannot afford to get behind the wheel of your car, or any car for that matter.

Now what do I do?

After I found out that I was not going to be able to work as I did before because I am physically unable to do so, I asked myself that question what seems like millions of
times. I'm not a lazy person, I'm motivated, I love to work and I used to coach others to adapt that same philosophy. But when all signs (and I mean ALL signs) point to NO,
the only question you can keep asking is "Now what do I do?" Well...

How I came up with this idea.

One evening, as I was outside of a Starbucks sitting in my walker; I noticed all the cars passing by and fearing only one thing. "I hope no one gets out of the car and thinks
I'm sitting here waiting for a handout!" Not that charity is a bad thing, but I'm not a beggar. And there comes that pesky little question again "Now what do I do?", "there has
got to be SOMETHING that I can do to make money" I have always taking care of myself, and I intend to keep doing so until the day I die.
As a marketing consultant, a light bulb went on, why not hold a sign on the side of the freeway?
Thinking..."I would never want anyone to be in this position" and "there has got to be SOMETHING that I can do to make money" I came up with this. I will educate drivers
and sell the information on the internet.

Wait...didn't you already give me the information?

I believe this information is priceless if it helps someone NOT to be in my predicament, so YES, you have already gotten the information. The buying part is completely
voluntary.

My thinking is this...

If you watch CNN, you're paying for information. If you get the paper, you're paying for information. Even if you watch just local T.V. news, you're paying for information in
some way (unless you know how to get free electricity).

So my sales pitch is this...

If this information has been valuable to you, you can purchase it by way of donation. If you call your insurance company and find out you're not covered (even with "FULL"
coverage) and are able to implement a way to protect yourself...then this information is immensely valuable to you; and if you want to, you can come back and purchase it by
way of donation. Your support continually helps to provide this information to the public.

How else can you help?

If this information is valuable to you...wouldn't you want to tell your family, friends and co-workers? Well instead of just telling them, send them to this website and allow
them to read the information and participate in the same way you did.
That way everyone wins. You win, your family and friends win and of course I win too. We then begin to create a society that helps each other out in one way or another.
I never thought I would ever be on the side of the freeway holding a sign. I hope you never have to "ROLL" up a chair next to me.
 
.. ..

Who I'd like to meet:

Details

  • Status: Single
  • Here for: Networking
  • Ethnicity: White / Caucasian
  • Zodiac Sign: Virgo

Login

Forgot password?

Need an account? Sign up