Richmond Segway Gone Awry

Most people think of Segway’s as these fun scooter-type vehicles and as a fun way to see the sites in Richmond. But for me, when I look at a Segway now, all I can think about is the day my life was destroyed by this monstrosity of a vehicle. 

The day started off like any other. I got my kids up and ready for school, dropped them off and made my way downtown to one of my favorite coffee shops before work. I remember thinking about how I wished the barista would hurry up with my latte, so I could get into work and prep for a big performance review I had that day. I was hoping for a promotion and today was the day I had the chance to show my boss that I was the woman for the job. Unfortunately, I never made it to my performance review that day.

As I was leaving the coffee shop, with beverages for my colleagues, as well as my latte, I was suddenly slammed into by a man on a Segway. It would have been annoying enough to have been run over by one of these things, but as I fell, the six cups of hot coffee splashed on my face, causing third-degree burns over 90 percent of my shoulders, neck, and face. 

The burns were so severe, that even after undergoing six months of treatment, including skin grafts, my face is still horrifically scarred. My kids can no longer look at me directly and my relationship with my husband has fallen apart, all because some guy on a Segway couldn’t stay in his lane of traffic instead of on the sidewalk. 

I was told that I should contact a Richmond car accident lawyer, but in all the hype, the man on the Segway didn’t even stop to see if I was okay, and I have no idea who he is to this day. I had to rely on my own insurance to help me through this terrible event and, honestly, it just wasn’t enough. 

To be perfectly honest, I’m still barely getting by every day. I can’t look at myself in the mirror anymore without being constantly reminded of that horrible day, and of course, I didn’t get my promotion. How could I when I spent more than six months in the hospital? I was just lucky to retain my job at all. 

I wish this story had a happy ending for readers, but sometimes life just isn’t fair. Maybe things will get better as the years go on, but for now, I just can’t get past what that man’s recklessness has done to my life.

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Three Things You Need to Know About Health Insurance and Surrogacy

Whether you are an individual or couple who is interested in expanding your family through third-party reproduction or the surrogate mother who will be helping a family who has longed for a baby, understanding how and when your health insurance will take effect will be critical in ensuring you are not taken advantage of. 

It will also allow you to exercise your right to the coverage you’ve purchased. Below, we review the top three things you need to know about how health insurance works when it comes to surrogacy arrangements.

Different Types of Health Insurance

The cost of healthcare in the U.S. is astronomical, and as such, citizens either go without health insurance or purchase policies that will cover certain types of treatment and care depending on the type of insurance policy purchased. 

There are so many different types of health insurance for surrogacy out there that you can certainly find a policy that will cover all of the costs associated with a surrogacy journey.  

However, if you don’t want to spend an arm and a leg for a premium (that may very well exceed your out-of-pocket costs), there are policies available that will cover only certain aspects of a surrogate pregnancy, labor, and delivery. 

The point being, really take your time to review your finances and any existing health insurance policies you already have in place, and then move forward with a plan that meets your financial objectives.

Be Cautious of Surrogacy Clauses and Bad Faith Denials

Once you have a health insurance policy in place that will work for your assisted reproduction plans, you’ll want to have a lawyer review it in great detail. 

It is quite common for health insurers to include complicated clauses that may be difficult to understand and could exclude critical healthcare costs including the cost of in vitro fertilization (IVF), intrauterine insemination (IUI), the prenatal care of  international surrogates, and/or the costs of labor and delivery. 

What’s more, you’ll have to be especially mindful if you receive a denial after submitting a surrogacy claim, as insurance companies are often known to issue bad faith denials, stating that you don’t have coverage in a certain area when you actually do. This gives the insurer an opportunity to avoid paying out on your claim.

 

Financing Your Surrogacy Arrangement

Don’t be afraid to finance! Those struggling with infertility or have chosen surrogacy for another reason have done so after much consideration, and most consider the entire process an investment that will allow them to have the family they have always dreamed of, so it’s worth the costs. 

However, you’ll want to ensure that you do your research prior to taking out a personal loan, as there may be financial assistance programs , payment arrangements available in your area, or other resources that can help you to expand your family. 

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How I Got Stuck with Massive Medical Bills in My Medical Malpractice Case

Every experience I’ve ever had with an insurance company has been perfectly normal up until I was the victim of a negligent surgeon. Perhaps that was because I never had to file a claim until that point. 

I had always heard that the insurance company is greedy and refuses to settle claims fairly, but to be perfectly honest, I just figured these people were exaggerating and being greedy themselves. Boy, was I ever wrong!

Removal of the Wrong Body Part

It all began when I needed to have my gallbladder removed. I had my surgery scheduled for a Friday morning that way I would have a couple of extra days to recuperate before I had to go back to work a week later. Everything seemed pretty routine, I was checked in by the nurses and had no concerns whatsoever about the surgery when they put me to sleep. 

When I woke up, I still didn’t have any worries, until the nurse came in and informed me that my kidney transplant donation went smoothly and that I would be discharged in a couple of days. I was shocked. I never agreed to donate a kidney, there must have been some mistake! 

It turns out that the surgeon and surgical team skipped doing the required “Time Out” where they make sure they have the right patient on the table so that they could get the kidney to their patient as soon as possible. Not only did I have an organ removed from my body without my consent, but I had to take additional time off of work to have my gallbladder actually removed, too!

The Greed of My Insurer

So, if all of this wasn’t bad enough, when I consulted with my health insurance company, it turns out that because they hadn’t authorized me to have a kidney removed, they weren’t going to cover the costs upfront. 

After everything I’ve been through, I’m also now stuck with $40,000 in medical expenses, I lost almost three months of income, and even had to miss out on a cruise to the Bahamas that my family and I had planned for more than a year. 

I don’t know what I should do next, but I’ve heard that a local attorney at the  the Nye Law Group in Charlotte, NC, or maybe Montey & Morelli Law Firm could take on my case. I’ll write in again if or when I have an update to share. 

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