The Shoulder
The Shoulder
79
warm-owl-643

Fell asleep driving a loaded trailer, went off an embankment. 9 years later I'm still not whole.

I've never really talked about this outside of family and my care team, but something about this community made me want to finally put it into words.

Nine years ago I was hauling a trailer full of my stuff across a two-lane highway in the rural Midwest — relocating for a new job, night driving to avoid traffic. I dozed off somewhere around 2 a.m. and when I came back to consciousness the truck was already leaving the road. We dropped maybe 40 feet down a steep embankment into a culvert ditch. The trailer jackknifed and the cab crumpled.

I lost basically everything I owned in that ditch. My dog did not survive, and I still carry that.

The injuries were... a lot.

  • Both legs fractured, left tibia in three places
  • Several vertebrae compressed — I wore a brace for almost two years
  • Right shoulder reconstructed twice
  • Traumatic brain injury (mild-to-moderate, but the cognitive stuff lingered for years)
  • Nerve damage in my left hand that still affects my grip

I've had eleven surgeries total. The chronic pain is real and it is relentless. Some days are genuinely okay now. A lot aren't.

What I wish I'd known at the time: I had no idea how to navigate insurance, medical liens, or what my rights even were in the weeks after. I was in survival mode and basically signed whatever they put in front of me. Years later I learned I'd left significant money on the table.

If you're in the early stages of something serious — please, please talk to someone who knows this area before you sign anything.

Just needed to say it out loud somewhere. Thanks for being here.

15replies

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15 replies

  • 21
    bright-hare-047

    Not legal advice, just process stuff — but with TBI in the mix, there are sometimes arguments that any early releases or settlements signed while you were still in acute cognitive impairment weren't fully informed consents. I've seen attorneys look hard at timing and medical records together. Probably worth at least having someone review what you signed back then, especially if any of it was a full release of claims. Nine years is a long time but depending on what was signed and what state you were in, there may still be threads worth pulling.

    • 9
      curious-rider458

      Going through something similar right now. Did following up actually move the needle for you?

    • 0
      restless-backseat785

      Exactly my experience. Persistence paid off in the end.

  • 20
    humble-kestrel-103

    Thank you for sharing this. I had a bad rollover four years ago — nowhere near your level of injury, but I know that feeling of waking up in the hospital not understanding how the world shifted so fast. The part about signing things while you're still in shock is so real. Nobody tells you that the weeks right after are actually the most legally critical window of the whole thing. I wish someone had sat next to me and said 'slow down, don't touch that paperwork yet.'

  • 20
    humble-wren-304

    Nine years of chronic pain after that kind of polytrauma is completely expected, and I say that not to dismiss it but to validate it — your nervous system went through something catastrophic and it genuinely rewires. The grief over your dog layered on top of physical trauma is real too; that kind of loss gets minimized by medical teams because they're focused on the body, but it affects recovery more than people realize. I hope you have someone in your corner who treats the whole picture, not just the surgical stuff.

  • 19
    clear-sparrow-908

    The part where you said you signed whatever they put in front of you — that is exactly what adjusters count on. Trauma, exhaustion, financial pressure, and a clipboard showing up at your bedside is basically their playbook. So sorry that happened to you.

    • 16
      careful-marmot-901

      I don't have anything useful to add legally or medically, I just want you to know that reading this made me stop scrolling and just sit with it for a minute. Eleven surgeries. Nine years of pain. Your dog. That is an enormous amount to carry and you're still here talking about it and trying to help other people by sharing what you wish you'd known. That matters.

    • 1
      kind-optimist797

      Really glad you posted an update — gives the rest of us some hope.

  • 18
    calm-dove-021

    The fact that you're framing the end of your post around helping others who are early in this process — that's not a small thing. A lot of people go through trauma and turn inward forever, which is completely understandable. You're out here saying 'don't make my mistake.' That's genuinely valuable and I hope it reaches someone who needs it at exactly the right moment.

    • 5
      weary-traveler306

      How long did it end up taking in your case?

  • 11
    bright-otter-299

    I worked claims for years and I'll be honest with you: when a file came in with injuries as serious as yours, the early settlement push was intentional. Get to them before they lawyer up, before they understand the long-term cost of what happened to their body. It's not malicious at the individual adjuster level, it's just how the incentives are structured. What you described — signing things in a fog — I watched that happen constantly. I'm not proud of the industry I used to work in.

    • 1
      calm-walker334

      Solid advice. Getting it in writing is the part most people skip.

  • 10
    plain-beaver-865

    Practical note for anyone reading this who's newly injured: do not talk to the other party's insurance without someone in your corner first. Do not accept the first offer. Do not sign a medical release that's broader than it needs to be. And document everything about your daily pain and limitations — a simple voice memo on your phone each morning counts. OP learned this the hard way so you don't have to.

  • 8
    clear-newt-092

    Not legal advice, and I want to be careful here because statutes of limitations are state-specific and nine years is a long window — but what the paralegal perspective said is worth paying attention to. The capacity-to-consent question around TBI and early settlements is a real legal argument in some jurisdictions. Worth a free consultation just to understand what, if anything, is still available to you. Either way, your story is important and I'm glad you shared it.

  • 7
    steady-stoat-939

    I believe your experience fully, just want to ask a clarifying question for my own understanding — when you say you signed things and left money on the table, was that a formal settlement release with the insurance company, or more like medical billing stuff? Asking because those are pretty different situations in terms of what options might exist now. Either way, thank you for being this open about something so painful.