We was in a MVA about 8 mths ago. Hit by an unsinsured motorist. Totaled our vehicel and we were all hurt.. The claims adjuster offered us like nothing to settle.... Meanwhile we are paying for the new vehicle. What is the best way to get how much you want with out hiring a attorney? Or should we...The kid that hit us is 18. No job, lives with parents... no since for us to sue him.... Any ideas would be appreciated... And any suggestions if you have gone through this would be great.... Please, only answers that you know for a fact!
2007-03-25 12:04:32 · 6 answers · asked by Luvbuz01 5 in Business & Finance ➔ Insurance
Since you have an adjustor already we can assume you had at least some coverage for Uninsured Motorist on the policy which should cover your injuries and the cash value of the car (minus any required deductible which some states do have)..
Regretably the insurance company will only payout to you for your vehicle what the vehicle was worth (and insurance companies have their own way doing that, for a general idea check www.kbb.com for Kelley's Blue Book to get an idea of how much your car was worth).
If you still feel your getting shafted first speak with the claims handlers supervisor then go speak with your agent and get the agent involved (it's what they're there for).
As far as any injuries go it's going to be your insurance company which will pay for the medical bills up to whatever your policy limits are. Injuries over those limits you can sue the 18 year old for.
Injuries covered up to the policy limits by your insurance company are what the insurance company will sue the 18 year old for (or they may work out some payment plan with him, etc etc).
When it comes to your vehicle and any out of pocket deductible you had to pay for it, the insurance company is going to try and collect that for you as part of the claim. Only, the insurance company is going to get it's money first before you get any money not already paid out. Don't hold your breath waiting for it, if its collected at all it will take quite a while.
Hope this helps.
2007-03-25 12:45:13 · answer #1 · answered by Crighton 3 · 1⤊ 0⤋
First let me say that the settlement on your vehicle has nothing to do with the injury claim so don't even try to use that as a negotiation tactic.
You did not mention what type of injuries you had and what type of treatment was sought. That really would help answer a way to counteroffer. If this is a small dollar/ minor injury claim I would not hire an attorney as they will take 35% of the settlement and that includes 35% of the medical (if that is included in the settlement and not paid under a separate portion of the policy).
If you are interested give an idea of your injuries and I will adjust my answer.
2007-03-25 14:16:00 · answer #2 · answered by mamatohaley+1 4 · 0⤊ 0⤋
There are fairly 2 questions that you just must reply: a million) Do you desire to symbolize coverage firms -or- two) Do you desire to symbolize the insured. If you desire to paintings for an coverage corporation as an coverage adjuster and write claims for coverage homeowners you'll be able to most often get coaching wherein your paintings. If you desire to paintings to your possess, earn more money, and aid coverage holders get a reasonable declare cost you then could do not forget fitting a public claims adjuster. There are many Public Adjusters that paintings independently. Take for example Randell Smith who has a monitor list of serving to consumers rise up to seven hundred% extra on their coverage claims than the usual coverage corporation is mainly inclined to pay. There are coaching methods and examinations to emerge as a Public Insurance Adjuster. A well location to begin could be touch anyone within the enterprise, like Randell Smith. Alternately you might consult with the National Association of Public Insurance Adjusters and appear at their certification web page
2016-09-05 15:43:58 · answer #3 · answered by kindle 4 · 0⤊ 0⤋
What state do you live in? and what do you mean "like nothing to settle?" They obviously offered you something...what was it? Regardless.....
Your Uninsured motorist coverage has NOTHING to do with the total loss/repairs of your vehicle. UM only deals with bodily injury claims. Or do you even carry UM coverage (which could be why you were offered nothing)?
If you are talking about UMPD (uninsured motorist property damage) the cap is $3500.
2007-03-25 15:49:13 · answer #4 · answered by bundysmom 6 · 0⤊ 0⤋
How much uninsured motorist coverage do you have on your policy? Divide the limit by the number of people . . . subtract all the medical bills. If you have no coverage, or a very small amount of coverage, that's why the adjuster didn't offer you much, if anything at all.
If you don't want to sue the kid (I agree, it makes no sense, you won't get anything except a judgement from him), you don't really have any other options besides YOUR policy.
2007-03-25 13:31:04 · answer #5 · answered by Anonymous 7 · 0⤊ 1⤋
You should be able to go through the parents insurance & get a full settlement since the 18 year old lives there. He is supposed to be on the policy.
2007-03-26 08:43:44 · answer #6 · answered by Anonymous · 0⤊ 0⤋