Do Insurance Policy Limits Matter in Personal Injury Cases
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- Опубліковано 11 вер 2024
- Did you suffer injuries in an accident and the person who hit you doesn’t have enough insurance to cover your damages? It’s a common occurrence. Check out this video for some information on why insurance limits matter in personal injury cases.
Hey everyone, Barry with the LawFull channel. I’m a personal injury attorney in Chicago, Illinois. On this channel I am trying to share as much free legal information as I can. So, if you haven’t already, please subscribe to the channel and if you have any questions, put them in the comments section below. If I can’t help you I’ll find someone who can.
Alright so do insurance limits matter in personal injury cases is what we’re talking about today and the quick answer is, if you get in an accident, the amount of insurance there is could play a big part in how your personal injury settlement is determined.
So, when someone calls my office and starts to tell me about an accident they were involved in, I generally am focused on three main questions:
a. Who is at fault for the accident?
b. Were there any injuries?
c. Is there insurance?
So very quickly - fault is important obviously because if the caller is at fault, there’s not going to be a recovery
Injuries are important because as a personal injury attorney, I help people recover for their injuries. As a general rule, pi attorneys don’t take property damage cases. We are looking for cases where there are injuries and medical bills.
But these two issues are moot, they’re totally irrelevant if there is no insurance.
If there’s no insurance, there is no one to file an insurance claim with. You can sue the person who caused your injuries, but chances are if the person doesn’t have insurance, he doesn’t have any assets and won’t be able to pay you even if you win your case.
But let’s say you get hurt and there is insurance - why do the insurance policy limits matter? And when I say policy limits, what I mean is, this is the maximum amount you can recover from the insurance company.
In my home state of Illinois, the minimum amount of insurance you have to have is $25,000. You might have heard it referred to as 25/50 - meaning that the person has a maximum exposure of $25,000 to one accident victim and $50,000 for the whole accident - if there are multiple victims.
Now if you sued this guy and you won $100,000. If he has a $25k insurance policy, then generally speaking, the insurance company is only on the hook for the $25,000. You would have to go after the person individually to collect the balance you won - the extra $75,000. But again, if someone has a $25k insurance policy, it’s like that he doesn’t have a lot of assets to go after.
So you can see that the amount of insurance a driver has is critical in determining how much you may recover. Now - let’s change the scenario a little bit. Say you have a $100k case and the guy who hit you has a $25k insurance policy. If you have underinsured motorist coverage that could change everything. Let’s say you had a UIM policy of $100k. You could recover the $25k from the defendant and then go after your own policy for the balance owed. That’s why I always tell people to get as much UM and UIM coverage as they can afford.
Finally, what happens if there are multiple people injured in this scenario and the defendant only has a 25/50 policy. Well, in this case, the maximum each of the victims can recover from the defendant’s insurance policy is $25k. And, the defendant’s insurance company is only on the hook for a total of $50,000 - because remember it was a 25/50 policy. After that, the victims would have to go after their underinsured motorist coverage for recovery. This gets a little tricky in a situation where there are 3 or 4 people in the same car who got hit and they’re all going after the same policy to recover because they have to divide it up.
There is one exception to all of this. Sometimes people ask if you can sue an insurance company for more than the policy limits. We were just involved in a case with a former co-counsel of ours. The attorney made an insurance policy limits demand of the insurance company which was denied. Well, the case went to trial and the attorney recovered over $300,000 more than what was demanded. In that case, and again this is the exception not the rule, the insurance company knew it was on the hook and therefore paid the excess judgment as well.
Ok it’s time for your take on the law, where you involved in an accident and the person who caused it didn’t have enough insurance to cover your damages? Tell us about it in the comments section below.
Hey thanks for checking out this video on the importance of insurance policy limits to personal injury cases. Please subscribe to our channel and if you require any assistance, reach out to me. If I can’t help you I’ll try and find someone who can.
I was scammed by a lawyer so I’m apprehensive. I had a total loss when I was 20 and was completely taken advantage of. I received less than 3k in that settlement. I’m 29 now and had a accident 2 weeks ago and dealing with the insurance company on my own. They have accepted full liability but didn’t want to tell me what their insured limits are. They also lowballed me but I expected it. I am preparing to counter their offer. I just want a fair settlement. I’m self employed and a mother I haven’t been able to pick up my 3 year old since this happened.
I'm sorry to hear about your prior situation and then this accident as well. What can I do for you? Do you have any questions about things that you need to do or did you want a referral to a local attorney? I'm happy to help however I can.
@@LawFull Thank you for the kind words. I wanted to know what can I do about not knowing their insured limits? The accident happened 2 weeks ago and they have repaired my car and already trying to settle even though I’m still receiving treatment. I have whiplash along with neck and should pain. Since I don’t have a lawyer the chiropractor won’t let me continue treatment without receiving payment. I honestly don’t want a lawyer due to my first experience and this accident wasn’t severe. The other party won’t pay the chiropractor or any of my medical bills until the case is settled. I was thinking I should counter their offer high because I still need treatment.
Sure, you can counter. It's tough though because unless you finish treatment it's really hard to know how much you should ask for. It would be a combination of your medical bills combined with whatever you feel is fair for pain and suffering.
@@LawFull Maybe we can come to some type of agreement. One of my medical bills is $3300 and I’m unsure of the chiropractors amount. She tried to settle with me for $3100 and I told her absolutely not. Thank you I will counter because she just threw a number out there.
Unfortunately, I doubt she's ever going to ask you anything of substance. To be honest with you. That's just the way insurance companies are when they're dealing with people who are not represented by attorneys. Though I certainly understand why you're reluctant to do so again.
i was hit last Nov 2019 , after i had fusion at L2 and C6 in Aug, the L2 was in Jan 2019, well after 2 months of P.T. I knew my fusion broke at L4 at the faset joints only, well nothing showed up on xray, but my sergeon said he would go in and explore the fusion with no guarantee. well i knew i was right and when he went in, it was clear as day, now my back is fixed, my medical bills are about 300k , plus now i have arthritis pain that i will have forever, ripping all the hardware out and putting new in, i knew thew, but im way better then before, but i need Fentanyl or morphine for the rest of my lifetime" they have a 1 nillion on auto, but the company might have a umbrella policy covering the co? do i just file a lawsuit to find out in a deposition?
I was hit by a car while on a bicycle and was in critical condition. I suffered many life altering injuries. I was offered the policy limits just yesterday but I wanted more. My lawyer explained the risks involved in foregoing them to get more and the lengthy process. So I am now just deciding on taking the policy limits which I feel are way too little for my injuries and med bills.
Hey Rick, that is a common situation. The insurance policy limits often aren't sufficient to compensate victims for their injuries. Did you own a vehicle? If you had uninsured motorist or underinsured motorist you might be able to go after your own insurance for additional compensation.
@@LawFull thank you for your reply. Yes I do and my lawyer got me the underinsured motorist portion of the insurance. I guess I am pretty lucky compared to many people I hear about, lifetime of pain and suffering for a mere $50k.
Wish there was a way to get a mandatory asset declaration after the accident.
@@ricksiu2840 I've never tried anything like that. But what we do is prepare an asset affidavit where the defendant has to go to a notary and verify they have less than "X" in assets.
@@LawFull Curious if that is by state. We asked for an asset declaration but they didn't have to fill it out. The only way I was told is by suing them directly. Thanks again.
@@ricksiu2840 That's correct. They are not obligated to sign it. The only leverage there is is to withhold signing a release/settling the case unless they do sign it.
Just going thru it right now. The guy hit me, totally his fault, he fell asleep at the wheel at 10:15am. I was just informed he only carries a 25k in his insurance policy. So one shoulder surgery over, another one to be had and serious neck and back problems I don't have anything to fall on. Lovely. If it had been the other way around he would be sitting on a million dollars pay up.
Do you have underinsured motorist coverage?
@@LawFull No I do not.
Sorry to hear that
@@LawFull and that’s when the lawyers come in and fight for you correct?
Or are they just lazy and rather not deal with the paper work and actually having to do something about it?
Also maternity say Georgia do not settle for pain and suffering which I've never heard of that before
Not sure what that means
I'm still going through mine.
2019 october 12th.
not my fault.
riding motorcycle, SUV ran red light and hit me good. blew off my helmet. mong story short:
metal implants jaw surgery, metal plates right wrist, metal rod left femur, and 8 shattered teeth.
complete nerve damage in jaw, cheeks, left leg.
total medical bills as of right now: $360,000 ($347,000 emergency hospital. i added some for dental work and braces I'll need. I'm still getting dental work done to this day)
policy limits are $50,000 of defendant.
i have UM and my parents have UM. so i can get $50,000 from that....but I'm hoping i get at least $2 million....i know it's a lot, but i lost so much and had to stop my army career.
Wow. Huge injuries. Sorry to hear this. Awful. I really hope you get everything you deserve. FYI, I just did a couple motorcycle videos on this channel - my most recent 2 videos in fact. Let me know what you think. Thanks for the comment.
@@LawFull oh perfect, I'll watch them today, thank you! 👌
I hope they provide a little value
What happened with your case ? I got into an accident last year and about to start the whole process.
@@SlickRick-YT unfortunately we couldn't breach the insurance policy limit of 50k. so i basically had to accept $6k and the rest went to hospital and attorney fees.
honestly i should've went after the person at fault NOT the insurance company. judges will always protect companies since they're all exchanging money under the table. even took it to court of appeals. no one cared about my video evidence or 7 written witness statements. i made a facebook post about it and a week later it was deleted for government defemation policy. so obviously they'te in cahoots.
i highly suggest going after the person IF you need more than the insurance policy limits. not joking.
The damages claimed by the other person against me exceed my bodily injury limits ,which was 25,000.00 per person ,50,000.00 each accident ,i am told that i will be personally responsible for any payments beyond your policy limits. WHAT SHOULD I DO TO AVOID PAYING THIS INSANE AMOUNT OF MANY,SO the accident happened when i was turning left in a flashing yellow arrow light and the car hit me from the passenger side,SO I WAS AT FAULT.AND AFTER THE ACCIDENT ,I WENT TO HOSPITAL BECOUSE OF MY SHOULDER AND HIP INJURY USING MY OWN HEALTH INSUARANCE NOT FOR THE CAR INSURANCE.WHAT STEP DO I TAKE.
Morning - sorry for the delay responding to this post. What has happened since you posted this?
You're in Illinois, right across the river here in Missouri
Guy ran a red light and hit me, says I ran the light
Insurance companies couldn't establish fault now he's suing me for $310,000 over my policy limit
I'm just incredulous at this point that someone can hit you and then sue you It's incredible
And this is a comparative negligent state so any percentage that a jury may decide that I am liable for of 360K is too much.
Hope i win this case otherwise I'll need a bankruptcy attorney
Morning - really hoping this works out for you!
I’m in Ohio
Last Sunday sitting at red light heard tires squeal my truck gets hit by 2022 Lexus the guy that hit them was cited
Moving on they are both insured with same company
Policy limits max out at 25 k the Lexus was totaled my truck was totaled insurance company is refusing to pat for my truck damages and get me a rental car because they have to replace the Lexus
Does that seem right?
I’ve already hired a firm to represent me and they said that they’re trying to pull a fast one
I did suffer some soft tissue injuries
My biggest thing is, how are people getting away with having bare minimum insurance and messing someone else’s wellbeing and property. They just get to walk away with their shitty policy and I have to figure out my property?
It's total b.s. But the only way to change it is to mandate that people have higher insurance limits, which will cost people more money.... and that's not something that would be very popular with people, especially right now. But I agree with you, mandatory minimum ins policy limits should be higher. The only thing you can do to protect yourself is have high limits of UM and UIM ins.
What if my injuries exceed their policy limits of 1 million. A business vehicle hit me. She admitted fault and negligence 2 weeks after the accident. My injuries far exceed the 1 mil. they carry on their business liabiliy. How likely are they to just pay the 1 mil. or do you think they will fight it.
Hi Jeff, really tough to say - I'd say if you have a good trial lawyer, then they'd be inclined to pay the policy limits (assuming the severity of your injuries and the meds really are worth the $1M policy).
About 1.5. If they pay the limit can i deny it and bring litigation against her company?
@@jeffopel588 For what?
@@LawFull not making me whole.
@@LawFull And what about future operations i may need?
My husband was rear ended and has multiple back injury’s (IE: bulging discs, nerve damage, narrowing of the spine, curving of the spine, etc) he’s only 25. We are being told max policy is 100k. He can never work again. The only option is to sue the guy???
We are yet to hear if they have accepted the max policy amount
@@amayaaguirre0427 Not sure what you mean by this statement.
Morning. Very sorry to hear this. Terrible situation. Well, you can sue the guy but if the ins policy limits are 100k I'm not sure what more you can get from the guy unless he has a lot of assets like owns a home etc.....
@@LawFull my apologies! I mean we haven’t been to the mediation yet as my husband just did the deposition
@@LawFull and there’s no way to attempt getting the money from the insurance company? Only if they deny the max policy amount?
My case settled in 2017 from a 2013 car personal injury claim. I was disabled due to a head injury that was not even added to my case. I lost my 25 year career as an RN because of the accident. The at fault defendant had a $250,000 policy. I ended up with only $10,000 dollars net to client out of a $100,000 settlement after liens were paid. My medical bills alone were around $120,000. What happened and is there something I can learn from this incident.
Hello Carla, it's really hard for me to know based on this limited information. Having said that, if you have a permanent head injury that resulted in the loss of your career, then the dollar amount seems suspect. But again, I'm sure there are countless factors at play here.
@@LawFull Thank you so much for your quick response. Could I have gotten the full policy limit of $250,000 or is that something clients can't easily get.
@@carlafox3957 Hi, really impossible for me to know without knowing all aspects of the case. I'm sorry I can't be more help on this one Carla.
In a lot of situations, attorneys are not about “digging deep”, because they really don’t want to spend the time and/or money. I’m no attorney, but the attorney handling the case should be investigating the insurance policy (umbrella, reserves, etc). There are lawyers who simply want quick settlements and don’t have the injured party’s best interest in mind. That being said, state laws or other factors may tie the attorney’s hands. I hope that you recover and thrive, because TBIs in any form are debilitating and can lead to other physiological/psychological symptoms that drive a person crazy, and typically leave a person feeling abandoned and hopeless. Stay strong…
hi there i got into an accident i was driving my semi truck and the other person felt asleep causing me to crash and destroy my truck,i been going to the doctors for 14 months and i just find out hes policy its only 100k,just my lost wages are over 120k how can i deal with this,i do have an attorney.im super scared i lost everything because this dumb person and now i can obnly get 30k or 40k really?
Hi, do you not have underinsured motorist coverage?
@@LawFull hello im not sure,my truck was insured with 1m dollar coverage but i was not in the insurance policy,i even have video of the accident where it shows the other driver causes the accident..i been going to doctors for the past year...
It is all about the insurance policy.
@@LawFull so that means i f... lost everthing and all i can get is that 100k?
Unless there is UIM coverage or the guy who hit you has serious assets you can go after
I am currently being sued after a minor fender bender. I bumped into the back of car at a red light when it turned green. The driver settled with my company for 15k but his wife is suing me personally for 420k. She is alleging that the accident aggrevated her already troublesome hip. She had hip surgery after the accident but the accident was so minor, I didn't even have a repair done to my car. Do you think it will settle in my policy limits of 100k?
Hi, it's really hard to say. If I were the plaintiff's attorney, probably..... unless you have serious personal assets to go after.
@@LawFull The car insurance attorney representing me wants to file a 3rd party claim against the driver since he popped his clutch causing me to run into him as I hit the gas as the light turned green. I am worried a 3rd party suit makes it looks like I am blaming everyone and will make me look bad in court. I just want it to go away. She is claiming 360k non economical and 60k in medical. Seems excessive. What is the easiest way to settle in my 100k limits?
Hi, I apologize but Im not sure what to tell you. If you have an attorney and they want to represent you I would normally recommend following the attorneys advice. I really recommend talking to the attorney about it further....
@@LawFull Do most claims settle in the policy limits? Thanks!
@@Kona_Blue In a case like yours, I would think so - again, unless you have assets to go after.
25/50 with only one person in the car that was hit , how to get the limit 50k$
Hi not sure about your state, but in my state of IL one individual would only be entitled to the $25k (if that). The $50k covers if there is more than one person in the accident. Here at least. Check the laws in your state to see how they apply.
I was involved in a accident the other driver was a 100 % at fault I have to have a MRI and preexisting arthritis now it has been aggravated in physical therapy don't have attorney what amount do they usually offer to close the claim I've been in pain for over a year
Morning - I wouldn't have any idea based on this limited data what a claim would be worth. I strongly recommend consulting with a local attorney about your case. If you don't know one, I may be able to refer you to someone if you want to reach out to me and let me know what city and state you're in.
I was a passenger in the accident, the person who hit us broke a red light and hit the passenger side. 160k in medical bills and the persons policy limit is only 25k. what options do I have
Really sorry to hear that. Have you tried going after the driver of your car's underinsured motorist coverage? Of if you have that coverage on your car? Otherwise, your only other alternative is to sue the guy. But realistically, that's a waste of time. If he only has a $25k insurance policy he probably doesn't have assets to go after.
thank you for the info
Yeah I was involved in an accident or a Lyft driver total my car he didn't have a passenger they say he was not sign into the app. Boats disc in my neck pressing on my spine they wanted to do surgery to replace the disc in my neck my attorney say I do not have enough coverage I live in the state of Georgia
Terrible situation. Lyft and Uber drivers are awful
Do anybody know Goodyear insurance policy limit
Just found out today about the coverage limits of the person who hit me. My truck is probably totaled and they only have 25k coverage for vehicles. My truck is worth almost 50k. So i have to eat the bill for the other 25k? Ridiculous... i also received possible permanent bodily injury. I just had an MRI done and that's about 10k. This motorists is only liable for 15k medical coverage. I still have lots more doctor visits to go and I have to pay my attorney 36% of what I get for medical. When this happens to you, you truly are a victim
Yes you are truly a victim - the only way to protect yourself is to have lots of insurance for yourself. Sorry you're going through this.... Barry
Is there any diff on how things r payed outif the person that hit me commuted a hit and run felony
Hi, did they catch him? Did he have insurance? If not you will need to file for uninsured motorist. Do you have insurance?
You should mention when you go at it by yourself they will not give you anything
That is so true. I try to tell people that all the time but they think it is self-serving since I'm a lawyer.....
I've handled property damage claims on my own. It's unlikely a lawyer would have gotten me enough more to justify the cost.
Hi Barry, I'm wondering if it was the at faults decision to have their insurer not pay or was the insurer refusing to listen to their insurer's request to pay. I ask because isn't true that a person can sue their insurer if they refuse to cover a valid claim.
Thank you!
Not sure i follow. But with regard to your second question, there could be a cause of action if an insurer refuses to cover a valid claim That's a bit out of my domain though.
What happens if the at fault driver has no bodily injury coverage or assets?
Hi, then you need to go after your own insurance for uninsured motorist coverage. Now if you don't have any um coverage then you really only option is to file a lawsuit against the other party. But if they have no insurance and no assets there's really no point.
Hello, Barry
I was involved in a car accident were I got rear end. I got insurance that covers unensure vehicles. I file a claim but my insurance doesn't want to cover me due to late payments or non payments that I wasn't aware since it's auto payments but I made payments after and the insurance accepted them what should I do ?
Hi, if they have denied your claim, you would usually (usually) appeal the ins co's decision. Ask them how to appeal. Get a copy of your policy. And appeal ASAP. Don't wait because there is probably a time limit to appeal their decision.
What if I have $80k in medical bills in a slip and fall? Had knee surgery for a torn meniscus. Will having a high medical bill increase my settlement in a commercial liability suit.
Hard to know in your state - but in IL where I am, sure, it would definitely be a factor.
@@LawFull oh forgot to mention I reside in California and thanks for the quick response.
My damage was $3000 I only got $600 from them. Do I need a lawyer To sue the driver?
Hi, I would need more info than this. Are you talking about property damage? But generally speaking, a small amount like this can be resolved on yoru own in small claims court....
I was hit by two cars on Mother's Day 2021. I was hit so hard by the first drunk driver, I flew over the fence and landed on the freeway.2nd driver ran over my entire right side. I was in a coma for two months. And is better than what it was on homeless being homeless since I woke up I don't know what to do do I need extra lawyers for each case I lost property I lost jobs I lost my home I lost my vehicle I almost lost my life. I've heard from the Chinese I don't know what to do with side law firm do I need to hire separate attorneys for each case in my situation?
I was not driving.four ways on an before dusk
I have 15/30/10 I am the main person on the policy and my mom is an additional person on the policy. The car is under my name. She rear ended someone on the freeway. Can they sue me even though I was not driving or can they only sue her the person she hits wants more than policy limit
How did it turn out? My friend is going through something similar.
I'm no expert, but what I do know is since you own the car, they will file a claim with your insurance company first, then go after your mom's insurance for the remainder (if she has her own separate/individual policy). How much were they asking for?
How could you tell how much the policy is !! Insurance companies don’t give out information like this been running around for 13 months n I can’t find out neither my lawyer telling me
Depends on the state. In IL where I am, they are required to tell us if we provide certain info. Normally they are required to tell you if you file a lawsuit and ask them through discovery. Ask your lawyer what the law is where you are.
Hey Barry how do you know if somebody insurance policy is high?
Depends on the state. In IL you can demand to know if you provide certain documents. Other states there is no obligation to tell absent litigation.
@@LawFull well if you can't find out how high a person policy limits is then how are you going to know if you get a Fair compensation for your accident ?
@@sherrodhenderson521 demand what the case is worth. The alternative is to file suit.
Hello, My neighbor hit my parked and due to huge damage to the rear end . The car towed to closest salvage yard after receiving the report called the insurance company to file the claim for the damages but today is almost 12 days and they are dragging and bringing the medical issue in between and trying to get away from all the damages. So I am no getting the point who is the responsible for all the damage. My car was legally parked on the street.
What is excess insurance ?
Hi, if someone has excess coverage they have some policy in excess of their main insurance coverage. Might have purchased a second policy (rare). Is that what you're asking about? Or are you asking about excess coverage in the form of an underinsured motorist coverage policy or an umbrella policy?
I need some major help and advice I just had the worst experience with progress now I’m with a total damage of like 4-5 k and the insurance doesn’t wanna do my claim
I responded to your other post
if im not using a lawyer can i still get the policy limits from the other insurnace company?
Hi, sure. Though I'm skeptical you will get a policy limits offer without one unless you're injuries and medical bills are in excess of the policy limits
Hello i got to in a accident 11/20/19 i do not have a laywer it was the other car fault the guy did said it was his fault i got whiplash and my left side of my body hurts his insurance state farm rented me a car till they check out my car they say they will pay for everything i am seeing a chiropractor and paying out of pocket they said i got 7 sessions is it wise to just represent myself
Not usually. What city and state did it occur in?
@@LawFull los angeles California
@@Doomer-hg2fi ok, I know a good guy there. If you want to talk to someone let me know.
@@LawFull yes please
@@Doomer-hg2fi Sure. Can you email me at Barry@chicagolegalgroup.com real quick with your name. I will respond with his contact info. Thanks, Barry
I just fired my lawyer because they wanted to settle for less then what the Policy is warth and they were actually going to get more then me
I've heard situations like this before - very generally speaking - pi attorneys often and really should ensure that the client gets as much as the attorney. At least that what we used to do.... Sorry you're going through this. But again, I've heard of situations like this before.
No. You are suing the person not the insurance company.
So I was at fault in a small fender bender 2 years ago and yes I had full coverage, the injured party settled for $ 30,000 . However last week I got a lawsuit summons from the same guy who already took the settlement...is this even legal? Please help, Thank you.
Me and my daughter got hit by a car I was taking my daughter to school on her electric scooter that morning the lady stated that she didn't see me and my daughter we were on her electric scooter
I'm sorry to hear that. I hope you guys weren't hurt.
The guy who rear ended me has a commercial policy that is worth a million dollars but their insurance adjuster refuses to give me a decent fair cash offer for my 2013 chevy Cruze with a blue ox tow bar package. The blue ox is a $3000 dollar option I paid for to use the car as a tow vehicle while I delivered big RV's to dealerships in 2013. Do you have any advice for me ?
So the vehicle was totaled... to get more, you can either get your own appraisal to counter there's. Probably won't work. If the total damage is not a lot, you may have to file suit in small claims court. Or, you can go through your own insurance.
@@LawFull thanks , I'm now forced to use my insurance , state farm
@@LawFull I hope to get better results with state farm. I hope this wasn't a mistake
Best of luck
@@LawFull state farm came in with a offer 2k more than the scumbag
Hi I was involved in an accident the other driver never yielded and we had to tbone him he drove in front on me my car was totaled out in 3 days his ins payed for the vehicle now me and my attorney are suing him personally how do I find out how much ins he has also I have 3 herniated discs I go for the injections tommorow my ins I have underinsured ins and full coverage I have aaa he has statefarm my Bill's are about 40k already how much do you think I might be able to get I'm in nevada also he admitted 100 percent at fault
Hi, tough to say. I dont know the environment for these types of claims in NV. Best person to ask would be your attorney. Sorry I cant be more help
@live life That really sucks. So sorry to hear this.
@live life That's funny. Thanks for that.
@live life Safe travels
What about vicarious liability. How hard is it to prove.
Hey Jeff, is there a question as to whether the driver was in the course and scope of his employment at the time of the accident?
No. Driving company vehicle. Also admission that they were having a hard time manuvering through the parking lot of a market where the flew onto a city road and teed me. My hospital and other medical expences exceed 500 thousand. Brain bleed with concussion and coma. Prostetic elbow with a 5lb. limitation for life. They orthopedic surgeon wont operate on my broken clavical leaving me with a broken shoulder for the rest of my life. My life is radically changed. Im now on anti depressant. A million dollars sounds like a lot or money. Out of the miiion, my lawyer gets 1 third. Even if my lawyer negotiates 50% in subugation for my medical lien, they will still end up with 200,000. That leaves 400,000 and after taxs and other itemizations i will be left with 300,000. Not even close. Which is why id like to know if i can sue them even though they act in good faith? Thanks
@@jeffopel588 Sue them for what is the problem....
Hey how can I contact you
You can email me at info@legalvlogger.com. Thanks, Barry