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.
If she was going to talk to an attorney, Lorraine wanted to be prepared. Her problem was that she didn’t know where to begin in getting prepared. She sat at her small wooden desk and sighed at the stack of envelopes from insurance companies, collection agencies, the hospital, and various medical departments. As she sorted through them, she started putting them in various stacks, and soon decided to move her project to the dining room table where she had more room.
She couldn’t believe that only one trip to the hospital could come with so many different bills. There were bills for transportation, bills from the emergency room, bills from radiology, and a number of other doctors and departments that she didn’t recognize. Each time she had looked at the bills before, she became overwhelmed, but she knew that she needed to address them all sooner or later so she kept adding to the stacks whether she understood what they were for or not.
Looking at the sorted stacks, Lorraine tried to remember her experience in the hospital. Being barely conscious the first few days she was there, she couldn’t recall several of the treatments she’d received, and even when the doctors and nurses had explained them to her, she still wasn’t quite sure of what they actually accomplished.
She remembered the feeling of helplessness and being frightened by many of the procedures. While the hospital staff and the physical therapists seemed to be very professional, they often seemed like they were in a hurry, and Lorraine hadn’t felt comfortable asking questions. She trusted that they knew what they were doing, even if she didn’t.
She wished that she could remember more of the experience so that the bills made some sense to her, but her greatest memory was feeling so alone. Throughout her visit, she had a number of people share her room. She had a few short conversations, but they mostly watched television, slept, and kept to themselves.
The worst part was wthen when they got visitors. As Lorraine saw friends and family members come to bring flowers and well wishes to those sharing her room, it made her miss George that much more. After their decades of marriage, Lorraine never imagined she would have to face something like this alone.
Lorraine wiped a tear from her cheek and kissed it, as she always did when she thought of her late husband. She knew he would hate to see her this miserable. She gathered herself together and looked at the stacks of envelopes.
Getting a handful of rubber bands from her desk, Lorraine bundled them together and stacked them on top of each other. She sat down, turned on her computer, and wondered how to go about selecting an attorney.