Quote Originally Posted by bassin_bug View Post
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I don't live in KY and you may not want to read my opinion but I do want to tell you that in every state that I know of, you have the right to be "made whole," meaning that you shouldn't have to suffer loss for an accident you didn't cause. Insurance companies are looking out for their own interest and will toss you back and forth until you go nuts. They may try to push you beyond the statute of limitations before they pay so you can't go after all the money you are due. If it were me, I would ask for an EXACT amount that the insurance was going to pay, the aduster already knows, and if it wasn't all I was due, I would go after the OWNER of the vehicle that caused the collision. They are responsible for what happens with their vehicle whether they are driving or not. I was involved in an accident and the other insurance company called and said they would only pay $10k on my accident because that was all the driver was insured for; my ER bill alone was $17k and I was looking at a long recovery period, plus the loss of a new car. I discovered they lied so I refused the money, hired a lawyer and sued for everything the other driver owned. When someone tells you that you can't get blood out of a turnip, tell them that's okay you'll just take the turnip; then go hire the meanest attorney you can find.

As for the problem with cigarette smoke seeping into your apartment, your landlord is obligated to provide you with a healthy living environment. Second-hand cigarette smoke is a health hazard and I think you should have a reasonable discussion with your landlord over the matter. My sister-in-law had that problem and when the landlord investigated, he found that it was marijuana smoke seeping through the walls into her apartment and evicted the tenants.

I'm sorry you're having so many problems but, take it one SURE step at a time and you'll walk out on top of them all. Hope your day is a happy one.
Thank you and everyone else for the support. If we dont hear anyhting by EOB today we will get on the phone.

To top it all off my wife just called all upset. The daycare center wants to be paid for Friday and Thursday (Thanksgiving) of last week even though they were closed and our daughter wasnt there! What the heck?! we wrote them a check for Mon-Wed and they freaking want more. Thats just absurd. I can understand us having to pay when our daughter isnt there on our terms but when the center itself is closed they want payment? Yeah right!

I cant believe all this is happening at once. My wife and I are both young, 23 and 21, she is a full time nursing student (will graduate with her LPN at the end of the month and RN next year thank goodnes!!) and works about 20hrs a week and I work fulltime. We arent asking for anything extra at all, but when youre barely scrapping by and relying on no one but yourself and not asking or getting assistance from anyone it just ***** a big fat one when it seems as if everyone is screwing you around. We dont mind being poor right now, we dont mind owning up to our responsibilities, but damnit we do mind when we are put out so much much and its not our fault.

Well what do you know...as I was typing this the owner/manager of the apartment complex called me. She really seemed concern about the situation and offered immediate action. She even said if the problem cant be resolved, she would pay to have some one move us into another unit. I'm actually really happy now and glad she cared so much and offered so much. Whoo hoo, one issue down (almost) and two more to go!