Will an insurance adjuster representing the fault driver tell me what coverages the at fault driver was carrying? Someone told e they will never release this information, but I need to know as my medical costs are mounting.
2007-02-28 15:39:01 · 6 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
Highly unlikely...they usually try to get your bills and pay them from that BI(Bodily Injury Limits) If the amount is more than the limits then of course they will let you know that you are going to need to go under your own insurance...usually your Under-insured Motorist insurance...if you have that coverage.In my experience the only way that you can actually know the limits is if you have an attorney represent you and they request a copy of the claim file which usually has they drivers policy declarations page in it...but every insurance company keeps their files differently. Good Luck and make sure that you keep in contact with the other drivers insurance claims adjuster and keep them in the know about your medical costs. AND make sure you send them any bills and if you have them medical records...so they can verify everything.
2007-02-28 15:52:58 · answer #1 · answered by CheleS 2 · 0⤊ 0⤋
Due to federal and state privacy laws, this information is generally not released without the written consent of its policyholder. While the at fault person may have a LEGAL obligation to you, you have to remember insurance company has contractual obligation is to their customer, not to you, and these 2 obligations are 2 completely separate and distinct differences and one does not pass to another.
Think of it this way....you and your wife have separate accounts at the same bank. Although you assume certain legal rights of your wife due to the marriage, there are some rights,like the ability to access her account, you do not assume UNLESS you have your wife's written consent. Same here...the at fault person has an available dollar amount at HIS disposal with the insurance company, the insurance company can not tell you what that amount is at it legally belongs to him, not you, even though you may eventually benefit from it.
Unless you have a court order, or state statute that allows the insurance company to release this information to you without his verbal or written consent, you won't know what the limits are.
2007-03-01 01:04:49 · answer #2 · answered by bundysmom 6 · 1⤊ 0⤋
Unfortunately you are only entitled to know the limit if your losses actually exceed it (not your desire for punitive damages) and they tell you the limit is exceeded. If you have not reached that limit, you are not entitled to the information because it then becomes a target to reach.
2007-03-01 01:15:35 · answer #3 · answered by Fred C 7 · 1⤊ 0⤋
Their limits are really none of your business. You will be told if your claims exceed them of course.
2007-03-01 00:12:58 · answer #4 · answered by oklatom 7 · 3⤊ 0⤋
Either talk to your insurance people or your lawyer.
2007-02-28 23:54:25 · answer #5 · answered by allenbmeangene 6 · 0⤊ 0⤋