by 2Writeit » Thu Sep 30, 2010 04:59 pm
Involved in an auto accident. Hit broadside. Not my fault. I had a passenger. Have filed suit for uninsured motorist with my insurer. Her insurance company initially disputed her coverage claiming possible lapse in her premium payment. Scheduled to go to trial in November.
My UM coverage is $20/person bodily injury, $40/accident, $15/ P.D/accident. My BI-Med and B2 PIP is $5k med per person. My coverage is in Texas. Accident occurred in Louisiana.
Trial scheduled in November. My insurer offered $10k for the passenger and $2k for me. I have a minimum of $3k in medical bills, $5,600 in loss wages, expenses due to taxis, bus, personal property, lots of mental distress.
I was not able to see more doctors because I was not medically insured. No one wanted to see me because I was not able to pay them.
Should my passenger and I accept an offer (and one this low) BEFORE her insurer makes an offer or wait to see what they want to offer first. Will negatively affect my recovery from her insurance if I accept my insurer's offer first?
What recourse do I have to get more than what my insurer is offering?
Please advise? I don't know what to do, but this does not seem right.
My UM coverage is $20/person bodily injury, $40/accident, $15/ P.D/accident. My BI-Med and B2 PIP is $5k med per person. My coverage is in Texas. Accident occurred in Louisiana.
Trial scheduled in November. My insurer offered $10k for the passenger and $2k for me. I have a minimum of $3k in medical bills, $5,600 in loss wages, expenses due to taxis, bus, personal property, lots of mental distress.
I was not able to see more doctors because I was not medically insured. No one wanted to see me because I was not able to pay them.
Should my passenger and I accept an offer (and one this low) BEFORE her insurer makes an offer or wait to see what they want to offer first. Will negatively affect my recovery from her insurance if I accept my insurer's offer first?
What recourse do I have to get more than what my insurer is offering?
Please advise? I don't know what to do, but this does not seem right.
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