Subrogation:I'm a bit annoyed right now but I'm in the process of letting it go and just enjoying the beautiful day.
1. to put into the place of another; substitute for another.
2. Civil Law. to substitute (one person) for another with reference to a claim or right.
I've been on the phone with insurance companies, the car collision place, and the doctor's office already this morning. No one has accepted liability for my car to get fixed yet, or for the accident in general. Of course, my insurance company will eventually pay for it (if in fact it can be fixed.) If the car is totaled than that's another ball of wax. But if it can be fixed then I have to pay the 500. deductible and then my insurance company will start the process of subrogation. Subrogation is where they do what they do to get their and my out of pocket expenses back from the other insurance company. They will only go after what my plan covers though so they will not be concerning themselves with my medical, car rental, or anything else. I'm not sure how I ended up with a policy with no medical or car rental on there but they are telling me that's the case. I've yet to go to my files and actually read my policy. I will soon enough.
In the mean time my arm is healing and it looks like I'm going to be left with one nasty scar. The burn from the air bad was deep. When it's a little more healed I'll start putting something on it to reduce scarring, I'm not sure what that will be yet. The darn thing got infected and was so painful I couldn't even walk with my arm hanging down, I'd have to hold it up by my heart. It had pus coming out of it. Oh, so gross. And I've been keeping it really clean of course. I think it's the chemicals they put inside the air bag that caused the infection. Anyway, the infection seems to be in check and like I said, it's healing.
My left breast got the worst bruising of all. On top and underneath...poor baby. Those bruises are still quite visible.
Now, one week and one day after the accident my neck feels worst than it has. Yesterday it really starting hurting more and it kept me awake last night. Turning it to either side is quite painful. I don't even want to say the W word but I think that's what's going on. Dammit. I have an appointment with a chiropractor and for a massage on Monday. I need to deal with this...take care of the damage before it embeds itself deep in my tissues. Ouch.