I broke my tooth on an object cooked inside the food I was eating. The restaurant immediately had me mail object to their Headquarters to determine if it came from their Manufactory. After several weeks it was determined that it came from one of their Outsource Manufactory. After a year of getting the run around, they finally called me & said that my claim was being forward to the Franchise's Ins.Company. Today, their Ins.Company called me & left a message.
NOTE: Since I had NO Dental Ins.& it's been over a year; My tooth unfortunately COULD NOT be saved, so now I'm in need of an Implant. Also due to the severity of nerve damage & inflection, I now may have another tooth that's affected.
So, How should I proceed with their Insurance Company when I return their call?
I don't suggest dealing with the insurer on your own. Although it sounds like you have a pretty good case, I can almost but guarantee that the insurer will offer you some nuisance fee to make you go away. Don't accept whatever offer they make. Also, I hope you didn't send them the only piece of evidence you had.
If you have any question, I'd be happy to speak with you at no cost. I handle these matter frequently.
Law Office of Steve Leydiker
In a very similar case in my office, we took numerous photographs of the foreign object with good lighting and a ruler as well as different coins in order to indicate scale. We forward the photographs to the insurance company and lock the object securely away in a file drawer. If insurance companies wish to actually examine such items they are invited to do so only in our office with me present during the entire examination.
With respect to damages, at least a basic estimate is needed from a dental service provider as to the potential costs of the restorative work and alternatives. This would include but not be limited to the price of the implants and also the dental appointments required to properly install and maintain the implant. An often overlooked fact about implants is that they do not last forever and may have a life span of potentially 10-15 years, and so we have to add in that number divided by your present life expectancy times the cost of the future procedures.
This is just a start in that we have not addressed your pain and suffering.
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