Car Insurance Question (regarding insurance)?

Question

Hello,

I have an insurance question. Last December, my wife, 2 y/o daughter, & I were involved in a car accident. The other driver was at fault, this was noted on the police report. My wife & daughter both required medical attention. My daughter suffered a broken leg & has since recovered. Unfortunately, my wife's recovery is taking a little longer. She required immediate surgery on her wrist & needs daily physical therapy.

Although I have a laywer, car insurance & health insurance, I've had to front enormous amounts of money to cover medical expenses. My health insurance will not reimburse me for expenses. Can I ask my car insurance company to help me out with expenses? They know the other party is at fault (police report says so). I've had to liquidate stocks & savings to make ends meet. I'm now out of money. I was not at fault, yet I'm being punished. Any advice on how to get reimbursed ASAP? My settlement probably will not occur until next July.

Answer 1

assuming you are in the US:

YOU SHOULD NOT HAVE HAD TO PAY FOR ANYTHING THIS FAR! You need to talk to your agent. If the other driver had insurance you should be submitting your bills to his company. You will get a settlement check later as you claim has closed, for "pain and suffering/lost wages" type of payment. You should talk to your agent immediately, they will/ should counsel you through this. If the other driver has no or little insurance then your uninsured/under-insured motorist coverage kicks in and you still submit all of your bills to your company and should not have to pay anything until your coverage runs out.

Seriously, this is a red alert. You should not have to pay a thing! Get your deadbeat lawyer and agent off of their asses and get to work for you. This is what you pay them for. If your lawyer screwed this up and made it so the company will only talk to him, then fire that lawyer and get a new one to deal with the insurance companies and sue your old lawyer.

The states require you to carry insurance so you don't have to liquidate stocks and loose your home over a car wreck. IN NO INSTANCE SHOULD YOU HAVE HAD TO PAY OUT OF POCKET FOR ANYTHING RELATED TO BODILY INJURY, UNLESS COVERAGE HAS RUN OUT!!!!

Answer 2

You can ask, but the lawyer really messes things up. They slow down payments, and the lawyer suggests litigation to the insurance company, so likely you'll have to wait for ALL the claim to be settled - either in a court hearing, or via private settlement.

YOUR car insurance company is only required to pay "medical payments" coverage, up to the limit. After six months, likely the limits are exhausted.

Something else - the police DO NOT determine fault. THe officer can offer an opinion - which may or may not be upheld by the judge. I'd suggest if this insurance company was so slow to offer medical bills and accept liability for the accident, you have several things going on: 1. you have a comparative liability amount, depending on state law 2. the driver isn't covered by their policy, in which case good luck collecting from them directly 3. fault is being contested.

The other insurance company won't even TALK to you, and neither will YOURS, regarding this claim, if you've hired a lawyer to represent you. THEY CAN'T. They can ONLY talk to your lawyer.

ASK YOUR LAWYER, hey, what's the holdup. Why isn't there a settlement offer NOW. The settlement / liability offer should have been on the table within 2 months after the accident - even if it was just for the medical bills. Your lawyer probably knows EXACTLY what the holdup is.

If you want to speed this up, fire the lawyer, and deal with the other insurance company directly. If you insist on working through the lawyer, well, he's already told you, it's going to take 13 more months. That sounds like a trial to me.

Answer 3

OK...I'm not certain why your Health Insurance isn't covering this, they normally provide treatment and and then subrogate (recover) from the liable party. You need to find out why they are refusing your treatment costs.

You should check your policy for medical payments coverage. Typically policies have a limited medical coverage amount , usually 2-5K per person. Not a lot but it would help.

Finally, you don't say whether or not the other driver was insured, only that you were not at fault. If the other driver WAS insured, tell your lazy @#$ lawyer to ask for an advance on your settlement from the insurer for your special damages. Special damages typically include medical expenses, car repair costs, rental car fees and lost wages. Often called "specials." If he WASN'T insured, you have an uninsured motorist claim with your own insurer, which now has the duty to indemnify you as would an opposing insurer. The same thing can be done, ask for an advance for your specials. In either case whatever amounts are advanced will be offset (deducted) from your final settlement.

One last thing...what are you paying this lawyer for? To leave you to flounder financially and fish for free advice on line? Boy get down to his office NOW and demand action or find another one who cares.

Answer 4

Sorry to hear of all the grief you have been through dealing with the accident. The first place i would check is with your car insurance company and see if you had any medical payments on your policy. Those can pay out regardless of who is at fault and can help you to meet your health insurance dedc. The next thing you could look into would be filing a claim under your own insurance and having the Subrogate the claim. Check with your agent to discuss how that works and if it would give you some immediate relief. The other thing you could try and pull out of is the uninsured/ underinsured portion of your auto policy. Could potentially be some coverage there.

In any case I would look at trying to work with your car insurance company. They may be able to help get you some money until the settlement happens.

Answer 5

I suggest that you try this web page where you can get rates from the best companies: http://INSURANCECOMPAREQUOTES.US/index.html?src=3YAuzpxmXD42

RE :Car Insurance Question (regarding insurance)?
Hello,

I have an insurance question. Last December, my wife, 2 y/o daughter, & I were involved in a car accident. The other driver was at fault, this was noted on the police report. My wife & daughter both required medical attention. My daughter suffered a broken leg & has since recovered. Unfortunately, my wife's recovery is taking a little longer. She required immediate surgery on her wrist & needs daily physical therapy.

Although I have a laywer, car insurance & health insurance, I've had to front enormous amounts of money to cover medical expenses. My health insurance will not reimburse me for expenses. Can I ask my car insurance company to help me out with expenses? They know the other party is at fault (police report says so). I've had to liquidate stocks & savings to make ends meet. I'm now out of money. I was not at fault, yet I'm being punished. Any advice on how to get reimbursed ASAP? My settlement probably will not occur until next July.
Follow 18 answers

Answer 6

I might suggest one to try this web site where onel can get rates from different companies: http://cheapinsurancequotes1.info/index.html?src=2YAdkfttVL40

RE :Car Insurance Question (regarding insurance)?
Hello,

I have an insurance question. Last December, my wife, 2 y/o daughter, & I were involved in a car accident. The other driver was at fault, this was noted on the police report. My wife & daughter both required medical attention. My daughter suffered a broken leg & has since recovered. Unfortunately, my wife's recovery is taking a little longer. She required immediate surgery on her wrist & needs daily physical therapy.

Although I have a laywer, car insurance & health insurance, I've had to front enormous amounts of money to cover medical expenses. My health insurance will not reimburse me for expenses. Can I ask my car insurance company to help me out with expenses? They know the other party is at fault (police report says so). I've had to liquidate stocks & savings to make ends meet. I'm now out of money. I was not at fault, yet I'm being punished. Any advice on how to get reimbursed ASAP? My settlement probably will not occur until next July.
Follow 17 answers

Answer 7

Welcome to the world of insurance claims. Since you have hired a liar, the insurance carriers must deal with it. By the sound of your injuries, your med pay coverage is gone. Since the bills are still outstanding, you most likely aren't in a 'PIP' state. So, what can you do?

Since the other party has insurance, your carrier won't be any help. At best they will handle the underinsured motorist coverage. But that doesn't happen until you go over the other carrier's limits.

The other carrier most likely won't make any payments until the end. In a few cases they might make a parital settlement, but this rarely happens when you have a liar involved. (Liars try to increase the bills to create a best lawsuit. It doesn't help the insurance company to give them the money to do this.) Another reason they most likely won't is because this case involves a minor child. This makes the case more complex, and exposes the carrier to additional problems.

Your best option is to have your liar write to the medical providers and request that they wait for payment until the settlement. They don't have to, but sometimes will because it is better than getting stiffed. You are paying that liar a lot of money. Tell them to get to work for you and solve this problem.

Your other option is to go for the quick settlement.

Answer 8

It doesnt work like that. You simply have the coverage you have.. they can't just "help you out"

Obviously you live in a state or elected not to have medical coverage on your policy (either that or its expired) although i symphatize with you.. they cant just magically add coverage.

Unfortunately, the lawyer slowed this whole thing down for you.. you could have probably had the companies policy limits within a month of the accident otherwise.

Once it goes over the at fault parties limits.. well.. thats life unfortunately. crap happens and sometimes people suffer for something they didnt cause. You can attempt to sue him to collect the money back.

Im sorry you had to go through this but coverage is what it is...

Answer 9

At - QUOTESTOCOVER.INFO- you can get quotes in just a few minutes

RE Car Insurance Question (regarding insurance)?

Hello, I have an insurance question. Last December, my wife, 2 y/o daughter, & I were involved in a car accident. The other driver was at fault, this was noted on the police ...show more

Answer 10

Depending on how the insurance companies handle the claim you may have to pay it. Make sure that your company recovers the excess, if they don't then claim it directly from the other guys insurance and then provide you own insurers with proof that it was refunded (normally the letter that comes with the cheque..) If you fully recover repair costs and the excess then you should not lose no claims discount.