by smith123 » Sat May 09, 2009 04:45 am
I have a relative who was involved with 100 % at fault accident. He/She hit the rear bumper of the front car. The victim and my relative agreed to settle thru relative's own insurance. Apparently there was no damage to my relatives car except that the license plate had some minor scratch, which hit the other persons rear bumper. The status:
1. Property damage stettled for $2000 (For Mercedez)
2. Bodily injury, open since 1 month
Not sure what the law is with respect to bodily injury. He is worried that the victim has now hired an attorney. Everything looked okay at the spot, the victim and insurance did not agree to the request to call the police or ambulance. Everyone drew away after reporting to insurance.
The question is how would the texas law govern the whole incident based on a fair judgement of the case. It would be unreasonable if the claim is dragged for a longer period of time, and the monetary amount is aggravete
1. Property damage stettled for $2000 (For Mercedez)
2. Bodily injury, open since 1 month
Not sure what the law is with respect to bodily injury. He is worried that the victim has now hired an attorney. Everything looked okay at the spot, the victim and insurance did not agree to the request to call the police or ambulance. Everyone drew away after reporting to insurance.
The question is how would the texas law govern the whole incident based on a fair judgement of the case. It would be unreasonable if the claim is dragged for a longer period of time, and the monetary amount is aggravete
Posted: Tue May 12, 2009 04:13 am Post Subject:
Their own car. By the way, I am just helping them by seeking expert opinion, coz I believe they are ignorant and would be likely treated unfairly.
That's indeed a noble cause, Smith. I hope your relative too is following this discussion.
Now their being treated unfairly, the insurer is responsible for safeguarding the interest of its insured. Therefore, they in every way would try to protect your relative. You probably know that the liability portion of the auto policy would also cover the legal expenses if the insured is sued by the third party.
Pain and suffering losses are indeed subjective but everyday plenty of such claims are getting settled. So, don't worry Smith, they won't be scammed.
BTW, what is the policy limit of your relative since you are worried that the claim value might exceed it?
Posted: Tue May 12, 2009 04:13 pm Post Subject:
I believe they have state min of 20/40
Posted: Thu May 14, 2009 04:34 am Post Subject:
I believe they have state min of 20/40
I wouldn't worry in that case. IMO the claim would get settled well withing the policy limit.
Though its not only a tap that would cause $2, 000 damage to a Mercedez but looking at the volume of the claim it seems that the medical bill wouldn't exceed the policy limit either.
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