Tenet Insurance Work Injury Compensation Claim: Fill & Download for Free

I decided to go and water the houseplants at my daughter's apartment. She was away on holiday. I'd done it a few days before, and she was on her way back, so I didn't really need to go. But I decided to check all the same.On my way home - my car stationary, indicating to turn - a speeding driver ploughed into my car at 70mph.My car was spun far down the road. I was heavily concussed, and although I could barely see, I remember being concerned about obstructing the road.I tried to drive home. The back axle was folded up into the rear of the car, the rear wheels blocked and dragging.My youngest son was with me. He didn't seem hurt. We got out to walk home. It wasn't far. It was time to feed the dogs. I wasn't feeling well. I wanted to go to bed. It was hard to breathe. I knelt on the road.A man said I didn't look well. He told me to get back in the car. Fluid was pouring from under it and I asked if it was petrol.He told me it wasn't. He was a fireman, he said, and he knew about these things. He just thought I should sit still. He would hold my head. The ambulance was coming.It was evening and the A&E was staffed by an inexperienced intern. He sent me home in the early morning in an ambulance. He told me to come back in a few days for a check-up.There wasn't anyone to mind my son, you see. Actually, there was. Friends, neighbours. But I had been so concussed that I said I didn't know anyone at all.I have high functioning autism. An accompanying sensory disorder in my case is an unusually high tolerance of pain. I was in pain all the same. But reluctant to express it. Too much attention. Difficult.The subsequent check-up (I nearly didn't go) revealed a massive hernia caused by the otherwise life-saving seatbelt. Wrist ligament damage. The severe concussion was complicated by a previously undiagnosed spinal malformation. I was still in a lot of pain. They gave me codeine, and made plans for surgery.In the meantime, the local police (gendarme) refused to note my injuries "you left hospital without a medical certificate". (Although he had seen me, struggling to breathe, on a spine-board being lifted into an ambulance.)When presented with medical certificates; "some people get more injured than you."Because no account was taken of my injuries initially, the insurance company - MY insurance company - decided to save paperwork and just pay me themselves (Échange de dossiers, it's called. Fraud, more like.) My insurance (SOGESSUR/Société Générale) has so far paid out less than a fifth of my medical costs.The man who drove into me was known to the police, as a drug dealer. I am foreign. He is local. No charges were brought.My car (Volvo estate, or I wouldn't be here), was valued by the insurers as being worth one third of the value they had attributed to it less than 6 weeks before. Basically, they gave me scrap value, and I have not been able to replace it.Following surgery, I could not afford for a nurse to come to my house to give me the anticoagulant shots. I had to inject myself.The medical assessor for SOGESSUR humiliated me; deriding not only myself "since you are not in paid employment, we don't have to take any disruption to your daily life into account", but also the surgeon and hospital committee - literally laughing at medical reports and images, claiming the surgeon had "operated unnecessarily".My daily life; the garden reverted to pasture. I had to give my son's ponies away as I couldn't afford help to look after them. I had to give up renovating my house. It remains unfinished. I couldn't split wood for the fire. I became afraid of "small decisions". Everything became riven with anxiety.Although I had been entitled to be accompanied to the assessment by a doctor, I could not find one available. The surgeon wrote a wrist-slap letter to the assessor afterwards. But I have still not had compensation from the insurance. Apparently I have no injuries to assess.I got into debt paying medical fees. ( I do not have fully insured status.)I got overdrawn, and the charges kept piling on.The hernia surgery has life-long consequences. I cannot vomit. I cannot even burp. I have to eat small portions of food, or face terrible discomfort and poor digestion. I have scars.I was unable to afford more than preliminary assessment of the injuries to my wrists. I still have intermittent pain, enough to drop things sometimes.The spinal malformation means a predisposition to arthritis, aggravated by any trauma. I already have, the x-rays revealed, bone spurs rarely seen in someone under 80. Whiplash injuries are still bothering me, and it seems will worsen.I became addicted to codeine for a year, and overdosed accidentally. I had to go through withdrawal.Unpleasant.I have become cripplingly anxious around /suspicious of police, doctors, lawyers, people in suits with paperwork. I find it very difficult to attend to paperwork - I have written so many letters, all expensive recorded delivery. No reply. I am anxious on the phone.Leaving my house is stressful for both my son and I, as we always have to drive past the site of the accident. I want to move away, but I can't finish the house. I am still borrowing my daughter's car, two years on.I was assaulted a while back, and although the Dr who attended me said I must report it, I had no faith in a police service by then. The person who assaulted me was interviewed and released by police on a charge (brought by someone else) months later. He had 'no previous ' though, so they didn't pursue it. I feel bad about that. He's still out there, being dangerous.I should deal with all this. Pursue the insurance company. Make complaints against the gendarme, the medical assessor. Report the assault. Return to the spinal surgeon who I was referred to.I haven't even seen my own gp for 10months. My prescription for blood pressure tablets lapsed. I started smoking and drinking alcohol, which I didn't do before. I don't get drunk; I did once, it was frightening as I am not used to it. I couldn't vomit and I felt terrible.I guess this is what they call "self-destructive behaviour".I had a lot of projects beginning before this crash. I was going to travel England's canals on a narrow boat with my son that summer. He's missing out on a lot too.I have trouble sleeping at night. My neck hurts. I can't get comfortable. I worry about playing catch-up with debts.How do they sleep at night, insurers, gendarmes, medical assessors, dangerous drivers?I don't always look forward to waking up. I guess they don't have that problem.I lived quite an isolated existence previously, not minding the solitude. But prior to the crash, I had made a big decision to change that, when loneliness took hold. Travel, even at 4mph on a canal boat; well, you see things. You talk to people. I was capable of making those decisions, having projects, doing things then.A small decision - drive to town, water plants - has knocked me into despair through its consequences. Other people and their little power trips."We are here to help." It's their job.But they don't.Thanks due anyway, to the surgeon, to my gp (who is very good, even though I have been too depressed to see him), and the young pompier (fireman and first responder) who just happened to be there. He stopped to help, missing a dinner date with his girlfriend.Enough people are good, enough of the time. I have to work at remembering that these days. It used to be a self-evident truth to me, a tenet of faith if you like. "Most people are ok."I can't believe that anymore.That's a big change in anyone's life.