by willadeanwright » Wed Jun 18, 2008 07:19 pm
Reareared 8/20/08 I had full coverage through Workman Auto Insurance. She had full coverage through Geico. There was myself and 2 passengers. I was take by ambulance to the hospital with neck and back pain and I could not move my leg at first. I was treated and released when leg movement came back. Both passenger had neck injuries. The 1st passenger was released on 11/9/07 and received a settlement on 2/24/08. 2nd passenager was released on 4/24/08 the demand was send on 6/9/08. When my attorney called 6/17/08 the ajustor will be out of office till 6/24/08. My full coverage insurance states $15000.00 is this the limit for pain and suffering? And is there a timely maner involved in recieving a answer to the demand letter? And is there a timely manner invovled in my attorney's action taken? My Dr will not release me till 8/20/08 as I had previous physical handicaps, but this has left me with new and very painful injuries that are not healing. My pip has ran out and they will but a lien on my settlement. I feel used, stressed and abused. Can you please answer my questions? Blessings to you.
Posted: Fri Jun 20, 2008 03:38 pm Post Subject:
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---- Just spam (my dog can act and remeber lines better)
Posted: Fri Jun 20, 2008 03:48 pm Post Subject:
That could very well be right. It sure looks like it. I just got tired of reading all of them. But there is great advice already up there.
Posted: Sat Jun 21, 2008 02:22 am Post Subject: rearened in Salem
Lori and tcope I feel a little embarrassed :oops: to ask for anymore advise
Don't be embarrassed (about the donate button) I do stuff like that all the time ! :lol: and we're here to try and help folks understand the insurance world the best we can...so you ask all you want/need to until you understand all you want..ok? alright...now...Anyway I went and looked up my insurance policy and what a surprise it states that 25,0000 each person 50,000 each accident.
First 'which' coverage were you looking at? I'lll imagine it was Bodily Injury coverage right? I doubt that your passengers were paid anything at all from this coverage...(While we are on this subject though...you have pretty low limits...and might was to think about raisin it)...Up until now all bills have been paid by my insurance company for both 1st and 2nd passenger till we settled then her insurance paids medical bills and then figures pain and suffering into it
Your passengers were probably getting their bills paid either thru your PIP or Medpay coverage...NOT your BI coverage...I'm not sure why the attorney is stating a figure of $15000.00 limit. I think the more I learn the more confused I get. Something does not seem right here HMMMM! :?
It is so confusing...here's the deal though just because you have 25/50 doesn't mean that the other party has that...they could (more than likely) have 15/30...that's where the 15k comes from...What are the MINIMUM limits that your state allows for BI coverage? Check your states Dept of ins site, or if you can't find the info let us know the state and we'll check it for you..Posted: Sun Jun 22, 2008 03:16 pm Post Subject:
Willa I don't know what happened to the post above...clearly some of my comments are in there....you should be able to understand the answers though...I think I might have mistakenly hit edit...and posted in wrong place...sorry :oops: That'll teach me to try and post while still half asleep with a headache I guess..sorry again.
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