by mistyb917 » Sun Jun 15, 2008 03:09 am
I was in an accident Dec. 07. I suffered from displaced third fibula fracture as well as a comminuted displaced distal tibia fracture involving ankle joint. (Pilon Fracture) I underwent reduction and stabiliation fixation. On Jan 2 I went I had internal fixation and my fixator was changed to a multi-planar. The dr. said it was extremely difficult to fix. He also said I will never have a normal leg and will alway suffer with stiffness and swelling in my ankle that will be hard to overcome. I may have to get ankle fusion later in life. My external fixator was removed May 21. I have scarring from the surgery and external fixator. I have 3 kids to care for(7,6,2). I was not able to care for them for like 3 months. I still have a hard time caring for the 2yr old. I still have a bad limp and can not run after him. My foot turns inward when I walk because I can not turn my ankle. I have not reached MMI. They do not expect me to until Jan 09. My lawyer is turning everything in to the insurance adjuster Monday. In the begining he told me my case was worth between $500,000-$750,000. I have medical bills of $100,116.00 and expected future bills of $166,558.00. Loss of income $8,000. I was just curious if it is realistic to receive a settlement of $500,000. Will it hurt me any since I have not reached MMI yet? If it helps I am in South Carolina.
Thanks
Misty
Thanks
Misty
Posted: Mon Jun 16, 2008 08:57 pm Post Subject:
Now I'm not sure where the 250/500 limit is coming from. There is the other person's liability policy limits and then your Underinsured Motorist Bodily Injury coverage (I should have actually wrote, UIMBI). In any case you, personally, are subject to the 1st number which is the per person limit. So you can collect up the per person policy limits of the other persons policy and then (if those limits are paid) _also_ from the per person policy limit under your own policy.
Keep in mind that your paying your attorney about $75k for helping you with this matter... he/she should be explaining all of this to you.
Posted: Mon Jun 16, 2008 09:04 pm Post Subject:
I will still be able to get $250,000 and not what is left from the $500,000? Sorry for so many questions. Im just trying to see what I can maybe expect.
Yes, but only '''IF'' your injury is worth more than her single person (250k in our example) limits thus the ''underinsured'' part...Keep in mind that your paying your attorney about $75k for helping you with this matter... he/she should be explaining all of this to you.
Not that we mind at all answering your questions...t is just trying to make a point that they sure do collect alot (some times) without much effort... :wink:Posted: Mon Jun 16, 2008 09:16 pm Post Subject:
Yeah, I was just pointing out that the attorney should answer any and all questions if the OP chooses to ask. No problem posting here.
Posted: Mon Jun 16, 2008 09:18 pm Post Subject:
Yeah, I was just pointing out that the attorney should answer any and all questions if the OP chooses to ask. No problem posting here.
(I knew that buddy just wanted to make sure she did :wink: )Add your comment