Q: What happens if bills exceed policy limits of the at-fault driver? My son was hit by a car while riding his bike. The at-fault driver has coverage up to $25,000. My son’s medical bills are currently $32,000. Is there any thing else we can get for compensation?
A: The first step is to look for more insurance coverage. We need to look to the at-fault driver’s insurance, the owner of the car’s insurance, if he was working, his/her employer’s insurance and possibly a few other possible sources. Also, did you / your family / anyone he live with have uninsured or underinsured insurance? That might be a resource.
If the insurance company does not promptly hand over the insurance, they may be exposed to more than the $25,000 in a bad faith action. This is another possible remedy for you.
Lawyers can also severely negotiate down the bills in cases like this.
Because of the economy, more lawyers are jumping into personal injury and should stick to what they know. Personal injury law REQUIRES knowledge about medical science and biomechanics (the forces on a body in a wreck) far greater and more specific than you’d think. They also need to know all of those areas where insurance might hide or how to negotiate claims. The other side has doctors and millions on their side to say nothing is wrong or fight the claim.
You need to look to the at fault driver’s insurance, the owner of the car’s insurance, if he was working, his/her employer’s insurance and possibly a few other possible sources.
Did you / your family / anyone he live with have uninsured or underinsured insurance? That might be a resource?
If the insurance company does not promptly hand over the insurance, they may be exposed to more than the $25,000.
Lawyers can also severely negotiate down the bills in cases like this.
Because of the economy, more lawyers are jumping into personal injury and should stick to what they know. Personal injury law REQUIRED knowledge about medical science and biomechanics (the forces on a body in a wreck) far greater and more specific than you’d think. They also need to know all of those areas where insurance might hide or how to negotiate claims. The other side has doctors and millions on their side to say nothing is wrong or fight the claim. If you have any further questions, feel free to email me- jmp@knowthelawyer.com or give us a call- 800-6-know-law. We’d love to help with this.