I was hit by a hit and run driver. my mom and sister were hurt .the lady didnt stop cause she had 2 warrants out on her. shes in jail now. because we only had plain liability insurance they told us to call her insurance so we did. we faxed them a accident report with some receipts we had and our estimates on how much it would cost to fix it. the insurance guy calledand took a statement from me and is doing the same on the other party. what happens from here? do they also pay for the
medical expenses of my mom and sister. i believe they only have liability insurance too.i live in texasand was hoping you could give me some info on what happens . will they give us enough money? our car is driveable but still needs more work .
2007-02-23 05:26:38 · 12 answers · asked by pkuchick 4 in Cars & Transportation ➔ Insurance & Registration
Rule # 1: check with your insurance to see what coverage you may have available to you, UM, UIM, etc....
Her insurance doesn't "pay" your bills. You are responsible for paying your bills; they are responsible for properly compensating you based upon the records, treatment, and bills. They settle with you 1 time, if you owe bills you pay them out of that settlement, whatever is left over is yours to keep. They will only settle with you when you're done treating, and the treatment has to be reasonable, related, and medically necessary.
If she doesn't carry enough liability coverage for all injured persons that's her problem. Back to rule #1...if you have UNDERinsured motorist coverage, this may help towards your settlement.
2007-02-23 14:56:31 · answer #1 · answered by bundysmom 6 · 0⤊ 0⤋
Unfortunately, it's not that easy. You might have to retain a lawyer in this case, because the hit and run is a felony. A lawyer would try to get coverage for your medical costs and suffering for your mother and sister as well as have your car repaired.
Keep on top of your insurance agent. Make sure they are keeping your mother informed as to what is happening. remember, the insurance companies don't want to pay out any more than they have to. They might try to settle for less money, so don't let them!
If a person from the otherladies insurance company calls and wants a statement, don't say anything to her. Refer her to your own insurance company. Tha's what you pay them for!
2007-02-23 05:35:38 · answer #2 · answered by vgordon_90 5 · 0⤊ 0⤋
I'm glad it wasn't more serious.
In general, liability insurance will pay for the bodily injury and property damage expenses caused to others (i.e., everyone but this evil lady), up to the policy maximum.
If there's only $20,000 worth of coverage and you all have $30,000 of damage, you're $10K in the hole and may have to bring suit against Miss Lotsawarrants.
I'm sorry.
P.S. You will probably get a low-ball offer at first on the medical; some companies are famous for dragging these things out. Also understand what an insurance settlement is: "I am settling for this much and I understand I can't come back for more." Keep that in mind when dollar amounts are discussed. You really need to think about an attorney.
2007-02-23 05:34:06 · answer #3 · answered by Anonymous · 1⤊ 2⤋
Even if they have only liability, they still pay your bills (they just can't fix their own car).
Should the woman's insurance give you trouble, you can take legal action, since it was a hit-and-run accident, which is a criminal offense and as you said the woman is in jail now.
Don't drop the ball. If you have a feeling they're trying to avoid paying (the insurance company), seek legal help. Make sure you keep reports and receipts....
Good luck!
2007-02-23 05:30:05 · answer #4 · answered by tamara_cyan 6 · 2⤊ 1⤋
I'm a claims adjuster. If the claims rep has contacted you and took your statement, then he's in the investigation portion. He'll determine if there was insurance coverage at the time of the accident. Assuming there was coverage, then he'll contact you regarding repair of the vehicle. Now, this is very important. DO NOT SIGN ANYTHING REGARDING YOUR FAMILY MEMBERS' INJURIES! If you sign anything, then the insurance company will cut you a check and that's it. They will be released from future consideration. The problem is, what if your mom or sister needs additional medical care? Never sign anything until your family members' injuries are healed and they have been released from physician's care.
2007-02-23 05:33:01 · answer #5 · answered by steven_p_ohio 3 · 3⤊ 0⤋
Her vehicle liability insurance is responsible for all medical bills and work that needs to be done to fix your vehicle. they are required to pay medical expenses for anyone injured. (note they probably have a limit so you should talk to your insurance company)
2007-02-23 05:36:05 · answer #6 · answered by Darlin1_66 3 · 0⤊ 1⤋
This was a hit and run. If they don't take very good care of you, if you sense the slightest indication that they aren't going to take care of everything, I suggest you get an attorney. Then see how much you can take them for...
2007-02-23 05:37:09 · answer #7 · answered by gimpalomg 7 · 0⤊ 0⤋
You really need to contact a lawyer.
Most insurance companies will try to in so many words get rid of you for the smallest amount possible.
There are lawyers out there who legalizes in your kind of case.
Look them up, and good luck.
2007-02-23 05:34:01 · answer #8 · answered by Anonymous · 1⤊ 2⤋
If it is completely the other person fault they are respsible for alll damages and all medical bills, I know from personal experience, and I am fromally from S.A, Texas. Good luck.
2007-02-23 05:31:06 · answer #9 · answered by Anonymous · 0⤊ 0⤋
They should pay for everything...and if you need a car you should be able to rent a car on them...Good luck!!!
2007-02-23 05:28:59 · answer #10 · answered by ~Jamaica~ 3 · 2⤊ 1⤋