my g/f was in an auto accident last september with an uninsured driver. she had uninsured driver coverage up to $25,000. it was 100% other persons fault b/c they ran their stop sign. her car was totaled and insurance paid for that. she was also injured in the accident having lots of back and neck pain for a few months. she was diagnosed by a chiropractor with 4 pinched nerves and soft tissue damage, so she went through about 4 months physical therapy........she finished therapy and has felt alot better but still has back pain, she has been cleared by the chiropractor for her pi claim.....anyways a few of her bills were sent to collection.....shouldnt the insurance have paid these bills from 6 months ago? also her bills totaled around $15,000 because her ER bill was $12,000....so shouldnt she at least get the policy limit of $25,000 if calculated $15,000 for bills $10,000 pain and suffering?
2007-03-19 05:44:56 · 3 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
You need to read her policy first. Then, secondly, I'd hire an attorney. Even if they didn't have car insurance, you can still file a claim on them as individuals. Your gf shouldn't be out anything. however, her insurance policy may dictate how much per person, per accident, etc. Most attorneys don't cost anything for the initial evaluation, or will the case is on-going. They collect their money after a settlement is made, and there advances come out first, then they get a percentage of the remainder, usually 30-40 percent. If the person who was at fault, you can put a lien on their house, garnish their wages, all sorts of things. Talk to an attorney. And don't wait...in most states, there is a time limit for filing a claim.
2007-03-19 05:56:08 · answer #1 · answered by auditor4u2007 5 · 0⤊ 0⤋
I'd say you probably need an attorney. I don't think you will get $ for pain and suffering. She will get the money to pay her doctors bills. If the person that caused the accident has any assets (house, land etc) she can sue them for any additional expenses that her insurance co doesnt cover. There is no doubt that she will win the case... but if the person doesnt own anything, then there is no point in suing because she will never get her money.
she should definately consult a personal injury lawyer.
Good luck.
2007-03-19 07:43:56 · answer #2 · answered by NY1Krr 4 · 0⤊ 0⤋
Sad as it is you need an attorney rather than yahoo answers
2007-03-19 05:57:03 · answer #3 · answered by bungee 6 · 0⤊ 0⤋