A small fender bender. Thats all it was. However, it carried with it lasting consequences. You are now experiencing back pain on a daily basis and have had to take a significant amount of a time off of work due to doctors appointments. You continue to pay off costs of vehicle damage and your insurance adjuster keeps calling.

Insurance is a requirement. We all have it and pay for it, trusting that it will make a difference when it really counts.

But before accepting an offered payment, get the scoop on the secrets the insurance company wont tell you:

1. Insurance may cover more than you think.

You expect an insurance companys payment to cover medical bills and lost wages but it is important to be aware of other things that your insurance may cover. For example, under Utah law you may also be entitled to money for pain and suffering, household expenses and changes in your lifestyle.

2. You actually should hire an attorney.

There is a perception that hiring an attorney means your case is more likely to go to trial. This is a myth. Less than five percent of vehicle crash/accident cases ever end up at trial, according to the US Department of Justice. If the insurance company knows that you and your lawyer are ready for a trial, this often encourages a higher payout and an expedited settlement.

3. You can be compensated without causing financial hardship for a family member or friend.

Even if your friend or family member caused the accident, you can receive payment for your injuries without making a claim against them. Your claim is made against the insurance company. There will be no out-of-pocket cost your friend or family member. This is because virtually every Utah car insurance policy includes Personal Injury Protection (PIP) as part of the policy. To get these benefits, contact the insurance company covering the car in which you were riding.

A crash occurs every 10 minutes in Utah, and every 23 minutes one of those crashes involves a serious injury. When those injuries happen, it is wise to consider hiring an attorney to represent you and your claim.

4. You can hire an attorney immediately following the accident.

Contrary to popular believe, there is no law that says you must wait for the insurance company before contacting an attorney. It is actually wise to safeguard your interests by having an attorney represent you as soon as possible.

Within days of the crash, the insurance company is going to want to record your statements, access your medical release forms and gather other facts and evidence in your case. Without acting early, information an attorney might use to benefit your claim may be unavailable or lost by the time you seek help.

Following your accident, look for a firm that has your best interest in mind and will insure you receive the amount of money you deserve for all of the negative effects of a minor fender bender.

Deutsche Bank AG, Germany's largest bank, is considering the sale of a unit that helps pension funds protect themselves against the risk of their members living longer than expected, according to people familiar with the discussions.

No decision has been taken on the potential sale of the Abbey Life unit, said the people,who spoke on condition of anonymity because the matter is private. The Bournemouth, UK-based business may fetch as much as 3 billion pounds ($4.6 billion), one person said.

Anke Hallmann, a spokeswoman for Frankfurt-based Deutsche Bank, declined to comment.

The Department of Commerce and Consumer Affairs Insurance Division released final decisions for 2016 individual and small group Affordable Care Act health insurance rates.

Rate changes approved for 2016 vary by type of plan. Final approved rate filings can be found online. These rates are expected to affect approximately 34,000 individuals currently purchasing health insurance on their own through the ACA marketplace. Small group rates apply to plans for businesses with 50 or fewer full-time employees.

"We were extremely concerned by the requested increases by insurers for 2016 ACA individual plans," said State Insurance Commissioner Gordon Ito. "Nobody likes to see prices go up for the individual consumer. However, upon close review of the carriers' expenses, benefits paid, and other considerations our rate analysts and actuaries found premium increases were necessary for the carriers to cover their costs, enabling them to continue to pay their customers' claims."

Hawai'i law mandates that insurance rates cannot be excessive, inadequate or unfairly discriminatory. In the case of ACA individual plans, the 2015 rates were inadequate and needed to be adjusted significantly in 2016.

The Hawai'i Insurance Division found several reasons for the 2016 rate increases. These factors were "pent up demand" for services sought by previously uninsured individuals, transitional plans and previously low penalties for ignoring ACA's individual mandate keeping healthy populations out of the marketplace, high cost specialty drugs, and ACA taxes and fees.

Thousands of Mississippi government and school employees could be paying less and-or have better dental, vision and other supplemental insurance coverage if they had a statewide contract.

But instead, each of more than 100 state agencies plus school districts and higher education entities has its own smaller contract with its favorite insurer. There is no requirement to competitively bid or get proposals for the best price or coverage.

And some Mississippi-based insurance companies say out-of-state companies -- some that may be sidestepping rules, regulations and taxes -- are getting many agencies' business. They say they're being shut out in a process that is not very transparent or open for competition or regulated for fairness.

The issue has mostly stayed off state leaders' radar, because employees, not state taxpayers, bear most of the cost of supplemental insurance and "cafeteria plans." The only recent push for change -- consolidated dental coverage -- in the Legislature was met with a vociferous political backlash from agency leaders who don't want to change and individual insurance agents who don't want consolidation.

Rep. William Shirley, R-Quitman, authored the bill on dental coverage.

"Why not get the employee the best coverage at the best price?" Shirley said.

"We passed it on our side," said state House Insurance Chairman Gary Chism, R-Columbus. "The Senate never picked it up. It was a hot potato. Lots of members got calls from school districts, community colleges, state agencies. The agents that have the contracts had great concern. They liked what they had. Our members started saying, 'my community college board doesn't want this.'

"But to me there's no question there could be money savings," Chism said, if the buying power of 180,000 people was used instead of smaller numbers per agency.

Purchasing power

The state provides health insurance for about 90,000 employees at government agencies and schools through a self-insured program. It competitively bids out the administration of the plan, which also covers about 90,000 dependents.

But employees have to foot the bill for supplemental coverage, such as dental, vision, long-term disability and other services, such as flexible spending accounts. State agencies do provide payroll deduction and some in-house administration work for the plans. But it's up to the agencies, ultimately the directors, what supplemental coverage is offered in-house.

The state Department of Finance and Administration has an insurance office that oversees the state's health insurance. But it has no authority over supplemental plans, said DFA Director Kevin Upchurch.

"If the state were paying, we would want to do (requests for proposals) or bid, and the result would be one provider," Upchurch said. "As a state employee, I'm grateful the state allows me to have a payroll deduction for other coverage. As the state's fiscal officer, I'm not a proponent that the state pay for dental and vision or other supplemental."

But Upchurch said he could see where there might be savings for employees from the bulk purchasing power of thousands of employees or required competition.

"I'm not aware of any prohibition that would block agencies from going in together," Upchurch said. "... You know, you've given me a good idea here ... I'm going to talk to our HR director, see what they think of this. If some agencies are not participating, maybe they can go in with (DFA) and see if we can get a better deal with more people. This is one of those deals -- I feel bad that employees have not had pay raises to keep up with inflation, especially those on the lower end of the pay scale. Anything like this would be helpful. It probably wouldn't be a huge savings but any savings would help. Maybe instead of $30 a month for vision, you might could drop it down to $20."

While taxpayers don't pay for government employees' supplemental coverage, there is some cost to them. Staffers at agencies have to deal with paperwork, payroll, the insurance contracts and RFPs when they do seek competition. Upchurch said there could be some savings in administrative costs if supplemental insurance was consolidated, perhaps run by a committee of state employees.

Cant compete

Some Mississippi insurance company officials say it's hard to compete for state agencies' supplemental insurance business.

"I've had people call me and say we'd like you to put in an RFP or bid on this," said Glynn Griffing, owner of Glynn Griffing and Associates. "I've gotten to where I ask them, 'Are you really interested in getting bids, or do you already know who you are going to have?' I'll say I've had enough practice."

Griffing and others have questioned out-of-state companies getting Mississippi state agency business. They have questioned whether the out-of-state firms are following state regulations or paying the state's insurance premium tax. And, they say, it just bugs them that Mississippi agencies are using out-of-state companies, sending tax dollars out of the state.

"About three years ago, this group from Tennessee had come in and was offering things -- giving away free benefits or products -- I didn't think we were allowed to do," Griffing said. "I asked and was told we could not, and they got the business. I was later told what I had been told was wrong."

"I'd just like to have something in black and white, to know what the rules are," Griffing said.

Jim Miller, vice president of Southern Administrators and Benefit Consultants, said he's seen large out-of-state companies that are sidestepping state, federal and tax regulations for cafeteria plans get state agency business.

"I can't compete with somebody who doesn't comply with the law," Miller said. "Competition is good. I don't mind competition one bit ... But we've taken over agency work from some of these others, and we have to fix things, and they start saying, 'My God, we never had to turn in these receipts or do all this paperwork before.'"

Miller, Griffing and other state insurance officials said part of the problem is state workers who handle supplemental insurance for their agencies are typically not trained in insurance work and vetting providers or services. And they may be susceptible to insurance salespeople who promise the moon. And once a company gets the business, agency officials are loathe to change or look for better prices or services.

State Insurance Commissioner Mike Chaney noted his office is a regulatory one and does not oversee the state's health insurance plan or agencies' supplemental policies. He said he supports competition for all state insurance and has advocated improvements in administration of state agencies' supplemental coverage.

Chaney said his office has received some complaints about the practices of out-of-state vendors working with state agencies.

"They are on our radar," Chaney said. "We work hard to make sure anybody that sells insurance in the state of Mississippi is following the rules. We are looking at all of them."

Common-sense thing

Much like with state officials, the issue of supplemental insurance hasn't been on employees' radar, either, said Brenda Scott, president of the Mississippi Alliance of State Employees.

"We've been tackling the bigger issues -- pay raises, state Personnel Board protection," Scott said of the union's focus. "... But if this would be a way to save employees money, then we need to look at it ... To me it seems just a common-sense thing, instead of just piecing all these little premiums to death, when a lot of people can't afford it anyway.

"Workers are looking at any kind of way to bring home more dollars."

Scott said she suspects "politics are involved" in the way it operates now.

"Just watching how the state operates everything else," Scott said. "... I would guess it would meet with resistance. I'm sure there's campaign contributions involved, politics involved. I would want it to be an open bidding process. It should be done aboveboard."

Gulfport Mayor Billy Hewes III is a former state senator and insurance company owner who championed some consolidation in state schools, contracting and services.

"I never got down into the weeds on (supplemental coverage)," Hewes said. "But you would think there would be some savings. The best example I can give is that when I was on the PEER (legislative watchdog) Committee, we looked at cellphones. Every state agency back then had a separate and distinct contract for cellphone service. We asked, couldn't we leverage that, and have uniformity?"

Hewes said he recently looked into whether the city of Gulfport could go in with other local governments for consolidated health insurance coverage.

"I'm told we're prohibited from doing that by law," Hewes said. "But state departments, I don't think there would be any prohibition. We changed the cellphone situation."

Contact  Geoff Pender at (601) 961-7266 or This email address is being protected from spambots. You need JavaScript enabled to view it.. Follow @GeoffPender on Twitter.

Almost immediately, the reaction from fans focused on Chubbs health and the fact that hes a 20-year old kid who just suffered what might be a career ending injury that could take millions of dollars out of his future pockets. This isnt a new debate in college football, as paying students has been something that is constantly talked about but becomes relevant once again when something like this happens.

There is indeed some injury insurance for Nick Chubb in the form of $5 million, but theres a massive catch which will probably prevent him from ever seeing that money. According to NFL Draft guru Matt Miller, the only way that Chubb will see that insurance money is if there is a permanent disability which probably isnt the case.