what happens when the insurance limits aren't enough to pay my bodily injury claim?
I was a passenger in an auto accident in June where my arm was broken. What happens if the at fault person's insurance and the underinsured limits from the car I was in is still not enough to pay my claim? Does it then become a personal lawsuit? I think it will come to that because my doc says this injury is one that may not heal. I'm praying it does, but if it doesn't he's going to have to do surgery again. That wouldn't be until next year and I would have to go through all that pain of healing all over again.
Wow, that's too bad! We like to think that Underinsured Motorist will keep you from having to go at a lawsuit yourself.
Yes, you're going to have to sue the person that was at-fault directly. Their insurance has been maxed out, so no matter how many people are going to reply to this question with "MAKE THE LAWYER GET THE INSURANCE COMPANY TO PAY!!!11", there just isn't any money there anymore. So your next step, unfortunately, is to take care of it yourself. The horrible part here is that the chances of you having to pay this out of pocket until you can collect money from them is very, very high. This is why we should always be encouraging people to carry those limits as high as they can! Things like this happen and the only person that is screwed is the person that is already a victim. It's horrible.
Best of luck to you and I hope your injuries get better!
September 3rd, 2007 at 9:54 am
when it comes to this point as to where its not going to pay ,then it becomes a law-suit matter,sometimes you have to do this to get the insurance company's to pay what there supposed to pay,id be working on that now if they have stopped paying it time to get serious with them,good luck on it.
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been a certified mechanic for 37 yrs.
September 3rd, 2007 at 9:55 am
Time to talk to personal injury attorney…some times if the at fault person has homeowners ins they can tap into that…either way osmeone has to pay and it shouldn't be you…you may also have to sue the driver of the car you were in…it sucks but that life.
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September 3rd, 2007 at 11:31 am
May have to get a personal injurie lawyer, cuz all limits are used up..Possible personal injurie law suit
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Claims Adj
September 3rd, 2007 at 1:14 pm
Wow, that's too bad! We like to think that Underinsured Motorist will keep you from having to go at a lawsuit yourself.
Yes, you're going to have to sue the person that was at-fault directly. Their insurance has been maxed out, so no matter how many people are going to reply to this question with "MAKE THE LAWYER GET THE INSURANCE COMPANY TO PAY!!!11", there just isn't any money there anymore. So your next step, unfortunately, is to take care of it yourself. The horrible part here is that the chances of you having to pay this out of pocket until you can collect money from them is very, very high. This is why we should always be encouraging people to carry those limits as high as they can! Things like this happen and the only person that is screwed is the person that is already a victim. It's horrible.
Best of luck to you and I hope your injuries get better!
References :
I'm an Insurance Agent.