This serialized, fictional account about Lorraine is created to break down and study the strenuous situation of Bad Faith and Insurance Disputes following an accident. Each chapter details some of the real-life situations often encountered by our clients, and we encourage you to follow the entire story to better understand the complexities of this fictional case.
Lorraine didn’t know what to do. She felt as if she had been in a fog for at least the last year since her husband’s death, but the last few months had been especially trying. Coping with life without George had been a hard enough challenge, but she was completely overwhelmed after the accident.
She looked at the pile of bills on the desk and sighed. Then she looked at the photo of she and George on the wall and shook her head. The frame was sculpted and painted to look like palm trees coming out of the sand, and the slogan across the top read, “Life is better at the beach.”
Lorraine remembered when the picture was taken a week after they had arrived in their new home, and George had given it to her in the frame to celebrate their one-month anniversary of living in Sarasota. A few months later, George was gone, and the life of retirement they had envisioned was over.
While George and Lorraine had made a few acquaintances since the move, she and George had mostly stuck to themselves, and she had few friends to comfort her after his passing. It had been enough of a challenge keeping up with the bills as she dealt with the grief of her loss, and since George had always taken care of such things, Lorraine struggled with taking care of all of the accounting and home care that needed to be done. She did get a few supportive cards from distant relatives, but George and Lorraine had never had children of their own, and she didn’t have any family close enough to lean on for support.
When the accident happened, Lorraine was blindsided in more ways than one. She didn’t use the car much, limiting her trips to the grocery store and running errands. She no longer went to the places that she and George had visited together, and she recalled that when she left for the store that afternoon, it had been three days since she last drove.
She never expected to get into an accident, and when the car slammed into her driver’s side door, she never even saw it coming. She didn’t remember anything about going to the hospital, and certainly didn’t remember the surgery. She only remembered waking up in the hospital three days later feeling as if her life had been shattered even more than the bones in her arm and leg.
Her stay in the hospital was also a month, and physical therapy had seemed excruciatingly long, especially considering that she felt little impetus to get better. She managed to keep the lights on and mortgage bills paid, but every time she looked at insurance forms and medical bills, it was just all too overwhelming. When the robotic calls started coming in from collection agencies, unsure of what else to do, Lorraine eventually stopped answering the phone.
A tear rolled down her cheek as she looked at the picture of their life on the beach. It had been almost a year since they started their new life together, and Lorraine knew that she had to do something to continue her new life alone. While she had made it through her grief alone, her accident alone, and her recovery alone, Lorraine new she needed help getting through the financial challenges that she now faced.
Lorraine decided it was time to talk to an attorney.