It’s been almost five years since
that horrible day when our van was T-boned by a speeding car. He was just a young kid speeding through a
residential area flying through stop signs.
I still remember it like it were yesterday. I was five months pregnant with my daughter
and I had my 8 year old twins and my 1 year old daughter in the van with
me. I will never forget looking through the
shattered back windows to see my son, Charlie, slumped to the side not
responding. This is forever etched in my
mind. This horrific accident and the
head injury he received from smashing his head and breaking the window, set in
motion years of neurological problems and set backs for Charlie.
Now we consider ourselves to be
reasonable people. So after years of
paying insurance, I guess we expected the insurance company to also be
reasonable. But an amazing phenomenon happens
when you come to collect those years of paid premiums. Your own insurance company becomes your
enemy! We didn’t ask for it, but it
definitely happened. It happened almost at once. One day we were those good paying customers, and
the next day we were considered exaggerators, liars, difficult people, and the
list goes on.
We, in fact, tried everything to
negotiate with the insurance company for a fair settlement for Charlie’s
injuries. We took the Word of God to
heart when it says in Luke 12:58 "When you
go with your adversary to the magistrate, make
every effort along the way to settle with him, lest
he drag you to the judge, the judge deliver you to the officer and the officer
throw you into prison. The last thing we
wanted to do was drag it out. We tried
and tried, but the insurance company just would not cooperate. There is an old song from the 1970s that used to be one of my favorite songs as a child. It’s called “The Coward of the County” by Kenney Rogers. I loved this song because the words were so awesome. Throughout the whole song, the man is keeping his promise to his dad who has gone to prison. He had made a promise not to be an outlaw like his dad and his dad tells him, it’s okay to turn the other cheek and not fight back. But at the end of the song, he sings:
I promised you, Dad, not to do the things
you done.
I walk away from trouble when I can.
Now please don't think I'm weak, I didn't turn the other cheek,
and Papa, I sure hope you understand:
Sometimes you gotta fight when you're a man.
Ev'ryone considered him the coward of the county.
Sometimes you have to fight for what you
believe. We felt, as Charlie’s advocates
and his parents, we had to fight for him.
So we did. We hired an attorney
and the fight started. It has been over
five years and we are still fighting for him.
It has been difficult and discouraging as we have had our character come
into question as parents and Charlie’s character and integrity has been called
into question as well. It has been a
journey to say the least. I walk away from trouble when I can.
Now please don't think I'm weak, I didn't turn the other cheek,
and Papa, I sure hope you understand:
Sometimes you gotta fight when you're a man.
Ev'ryone considered him the coward of the county.
We have finally come to the end of the
journey and we are scheduled for arbitration. Charlie’s attorney, Dave, has
always fought for him. He has always
gone the extra mile. He has been
relentless. So I was a little taken back
when I talked to him last. He had gotten
off the phone with our insurance company’s attorney who wants to meet for
mediation before arbitration. Basically,
this is their attempt to try to low ball us without going to arbitration where
it is likely they will have to pay the policy limits. Our insurance company’s attorney started dropping what I feel were
seeds of doubt in Dave’s head. The other attorney suggested
that maybe Charlie’s head had never really even broken that window out of the
van at all. After all, that’s just what
we said happened. It’s not like anybody
saw it.
Dave had a meeting set up with Charlie’s
neurologist on the following Friday. He let
the other attorney know he wouldn’t make any decisions about negotiations until
he met with the neurologist. Dave and I
talked for a while and he shared, “This is the end. We aren’t going anywhere else for an opinion. Dr. T. is the best in the state and all
eyes are on him and his opinion.” He
went on to warn me that a lot of times, even if the physician knows the
symptoms are related to the trauma, they won’t be willing to testify. Testifying takes time, it’s grueling, and
quite frankly when these physicians are running large volume practices they
just don’t have the time for it.
When I put the phone receiver down after
talking to Dave, I told my husband that I sensed there was a loss of momentum in Charlie's fight. I shared
with my husband, “We need to be on our knees praying. We can’t stop now. We have to finish this fight.” I knew in my heart that it didn’t depend on
Dr. T. or even Dave for that matter.
The Lord knew the truth and He would bring about His plan and outcome with or without their
cooperation because ultimately He was our attorney. 1John 2:1 …And if anyone sins, we have an
Advocate with the Father, Jesus Christ the righteous.
The morning of the meeting between Dave and
Charlie’s neurologist, Dr. T., I rose early and came before the Lord. I let the Lord know that although Dave’s eyes
are on Dr. T. for answers, my eyes were on Him. I wasn’t going to trust in man’s testimony,
but the Lord’s. I read the Word and
spent time Him. There was a portion of
my reading for the day that I didn’t have time to read, but I sensed from the
Lord that I should read it. It was in
the Ezra Chapter 1.Ezra 1:1 Now in the first year of Cyrus king of Persia, that the word of the Lord by the mouth of Jeremiah might be fulfilled, the Lord stirred up the spirit of Cyrus king of Persia, so that he made a proclamation throughout all his kingdom, and also put it in writing..”
This was as far as I got. My eyes rose up off the pages of scripture and the Lord caused me to understand. The Lord spoke to my heart promising that He was in perfect control of the meeting between Dave and Dr. T. that morning and He was indeed going to stir up Dr. T.’s heart to say the things he needed to say and not only that, but Dr. T. would be willing to put them in writing.
I ran up the stairs where my husband was
getting ready for work. I said, “John,
the Lord just spoke to us. He is taking
care of this.”
Two days past after the meeting and I still
hadn’t heard from Dave. When I finally
got in touch with him, he said, “The meeting went even better than
expected. I wasn’t expecting it to go so
well. Dr. T. has agreed that all of
Charlie’s symptoms are directly related to the accident and he was willing to
put them in writing.” Not only was he willing to put the facts in
writing, but he allowed Dave to organize them and write them out and Dr.T.r agreed
to sign the document!
Just thinking on what the Lord has done has
brought me humbly to my knees. He never
fails us. He never leaves us. He always fights for us. It has spoken volumes to me. God is indeed in control of every situation
and every word that is spoken. I am
blessed and thankful to be under the authority of such a loving, powerful
Father!
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