I was involved in a car accident 2 yrs ago. Both cars involved had minimum damage. I accepted liability. However, my insurance company and the other party couldn't reach a settlement. The other party sues me for small claim court. The other claims $1500 medical bill and $1500 for missing work. The insurance company feels too much from the minimum damages of both cars. (It is well within my insurance coverage) Can I force a settlement between them instead of going to court? I am worried about showing up on my credit report. What right I have with my insurance company about the settlement?
2007-05-01 12:57:36 · 5 answers · asked by Andrew 1 in Cars & Transportation ➔ Insurance & Registration
If the other guy has already sued you in court and he won your insurance will pay the judgement. If you haven't gone to court yet, tell your insurance in BOTH writing and verbally to pay the guy.
2007-05-01 15:10:35 · answer #1 · answered by bundysmom 6 · 1⤊ 1⤋
Your insurance company is obligated to defend you, and your insurance company can provide you with an attorney for legal advice, but the attorney can not represent you in small claims court. No attorneys are allowed in that venu.
I can not imagine a company being so anal as to argue over $3,000 however it is likely over the missed work.
Don't worry. Go to court and let the judge decide. He will ask the other party to prove their losses and may or may not agree with their amounts. Your insurance company will be bound by the judgement and pay off. There is no mark on your credit as long as it is paid promptly.
Bottom line.. don't sweat it and go learn a bit about how court works.. the insurance company is paying for your lesson.
.
2007-05-01 14:12:05 · answer #2 · answered by ca_surveyor 7 · 2⤊ 0⤋
ask your insuracnce agent how the small claims action will be handled. Reply to the small claims court that your insurance company is handling the claim but feels the amount claimed is too high considering the amount of accident damage .
see if the insurance company is going to send someone to court with you.
Ultimately the persons claim is against you personally.
You may have to sue the insurance company if they wont settle the claim .
2007-05-01 15:37:25 · answer #3 · answered by mark 6 · 0⤊ 1⤋
No. The insurance company has every right to refuse to pay an unfair and/or unreasonable amount for settlement. Besides, what makes you think you will lose in court?
2007-05-01 15:53:34 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Your insurance company should provide you with an attorney to appear on your behalf in court. Contact them before your date.
2007-05-01 13:56:58 · answer #5 · answered by oklatom 7 · 1⤊ 2⤋