u/CuriousGayles

The integrity of this game is so tainted by throwers, DCs, lack of genuine team members, people refusing to switch, and diamond lobbies filled with smurfs/cheaters.

Netease is literally stealing money from people to goon over pixels that have ass shots and titties, while you play in your goon uniform you’re up against a non-Lord Hela on a lvl 25 account in a diamond lobby turn 360 degrees and headshots you every time, having 30+ final hits at the end of the game. Once you report that account, you still see that smurf queuing up the next day in your “recent player” list.

How is this fun for anyone? Oh yeah because it’s not about the actual game - ya’ll are waiting for that Emma frost pasties skin to come out next summer. This is basically just porn.

I recently got food poisoning at a very questionable restaurant that just opened up in my local area, and was admitted to the ER the same day. We had enough ample evidence it was from that restaurant and the whole hospital bill was $25k, where health insurance covered $23k of the bill, and I paid $2k out of pocket.

I'm currently speaking w/ the restaurant's insurance and they offered to pay me out $4k to cover what I paid out of pocket and inconvenience fees... as long as I signed a settlement claim saying that I would be responsible for any future subrogation or liens moving forward.

Now I always try to make sure I fully understand the outline of the papers I sign, and after reading this I reached out to my medical insurance's subrogation department, informed them of what happened, and they said they will currently work with the restaurant's insurance to discuss any subrogation or liens, and recommends to **NOT** sign anything yet until this is cleared between them. They also recommended to renegotiate my offer after subrogation is cleared, which begs to my next question:

Because the hospital bill was $25k and I paid $2k out of pocket, is their initial offer $4k considered a "low-ball" offer? Should I listen to my medical insurance to renegotiate my offer for more money considering the full charge of the whole medical bill, and if so how much? Does the restaurant's insurance expect me to renegotiate now that I have involved my health's insurance subrogation department?

I've never went through something like this before so any advice helps.

I recently got food poisoning at a very questionable restaurant that just opened up in my local area, and was admitted to the ER the same day. We had enough ample evidence it was from that restaurant and the whole hospital bill was $25k, where health insurance covered $23k of the bill, and I paid $2k out of pocket.

I'm currently speaking w/ the restaurant's insurance and they offered to pay me out $4k to cover what I paid out of pocket and inconvenience fees... as long as I signed a settlement claim saying that I would be responsible for any future subrogation or liens moving forward.

Now I always try to make sure I fully understand the outline of the papers I sign, and after reading this I reached out to my medical insurance's subrogation department, informed them of what happened, and they said they will currently work with the restaurant's insurance to discuss any subrogation or liens, and recommends to NOT sign anything yet until this is cleared between them. They also recommended to renegotiate my offer after subrogation is cleared, which begs to my next question:

Because the hospital bill was $25k and I paid $2k out of pocket, is their initial offer $4k considered a "low-ball" offer? Should I listen to my medical insurance to renegotiate my offer for more money considering the full charge of the whole medical bill, and if so how much? Does the restaurant's insurance expect me to renegotiate now that I have involved my health's insurance subrogation department?

I've never went through something like this before so any advice helps.