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Old 09-16-2012, 11:11 PM   #1 (permalink)
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Default Wreck (was hit) Help me understand insurance, injury claims, policy limits, etc

Driver pulled out in front of me.
State mins in tn are 25/50/15
that's 25 bodily injury per person, 50 per accident, and 15 property damage.

I have no idea what the driver's policy is, but was told that if it's minimums, then I won't be able to seek a dime more than 25k - even including pain & suffering - without going to court.

However, I saw some laws in some states where the claim can roll over into property.

My problem is that my medical bills are easily going to go over!
5k ambulance ride + 5k hospital + 15k wrist surgery (tentative) or casting + whatever I need done to my knee.

I would really like a settlement, but I'm afraid I'm just going to be SOL

so here are some questions for people who have been hit before:

Q1. What happens when my bills go over the BI limits of the other driver?

Q1.5. Can I access the 50k per accident limit?

Q2. How and when can I or a lawyer "negotiate down" my medical bills?

Q3. Should I let my personal Health Insurance go ahead and cover all my bills? or should I leave the bills outstanding until a settlement?

Q4. How do I find out the other person's insurance limits? I called them and the refused to give the limits to me. Is that legal? Do I really have to pay to retain a lawyer to get these?

(I ask because, if I'm close to going over, I want to shop around a bit to keep my medical bills lower)

And any other relevant info you all might have for me.
(Dude lives in a $500 a month apartment based on his address, so I'm not enthusiastic about him having assets)
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Old 09-16-2012, 11:35 PM   #2 (permalink)
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Dude, time to lawyer-up, the SOONER the better. Internet opinions are useless. Grab the Yellow pages and start calling. Pretty much all firms offer free consultation, and are paid in accordance to settlement. In otherwords, you dont win, they get dick.

I got t-boned 4 months ago in my work cage. I contacted a lawyer ASAP. All medical has been paid, my time off work pay/pain and suffering check should be arriving in the next couple weeks.
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Old 09-16-2012, 11:38 PM   #3 (permalink)
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Don't ask the internet. Get a lawyer. And heal up.
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Old 09-17-2012, 12:38 AM   #4 (permalink)
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isnt this why people have insurance agents?
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Old 09-17-2012, 12:49 AM   #5 (permalink)
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Quote:
Originally Posted by binx_19 View Post
isnt this why people have insurance agents?
I assume you've never been in an accident involving personal loss?
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Old 09-17-2012, 01:03 AM   #6 (permalink)
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Insurance agent is going to help the company at your expense.
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Old 09-17-2012, 03:08 AM   #7 (permalink)
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Even with a lawyer its still a mess. I was hit and severely injured (only survived thanks to a Shoei) back in 04' and still had a collections agency calling me/sending statements up until a couple years ago. All the medical bills should have been paid in the settlement.

Overall the medical bills were just a small part of the hassle.

The lawyers got pretty much the same amount as I did. Considering the situation I would have felt guilty charging that much if I was them
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Old 09-17-2012, 05:50 AM   #8 (permalink)
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Sorry to hear of the misfortune, this gives a Look at reality. I would use your own Health insurance, to make sure you get fixed, thats the most important thing. Waiting on some other persons insurance for such, is not in you best interest to fix your injuries.

Its true, if they are at minimum liabilty, thats it unless you sue, and any judgement is not worth the paper its written on if they have no money.
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Old 09-17-2012, 08:43 AM   #9 (permalink)
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He's an idiot if he actually carries such low limits on his policy. Mine is 2mil..

50k won't cover much in the event of a bad crash. I'm surprised the state minimums aren't higher
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Old 09-17-2012, 08:56 AM   #10 (permalink)
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Quote:
Originally Posted by phail View Post
He's an idiot if he actually carries such low limits on his policy. Mine is 2mil..

50k won't cover much in the event of a bad crash. I'm surprised the state minimums aren't higher
What insurance doesn't cover, everything I own and future earnings would.
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Old 09-17-2012, 09:28 AM   #11 (permalink)
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$5K for an ambulance ride for a wrist injury? Was the ambulance a helicopter?
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Old 09-17-2012, 10:20 AM   #12 (permalink)
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Quote:
Originally Posted by singram View Post
I assume you've never been in an accident involving personal loss?
been there called my insurance rep and business for me continued as usual, a week late they cut me a check for my damages, and my health insurance covered my sprained shoulder.
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Old 09-17-2012, 10:27 AM   #13 (permalink)
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Quote:
Originally Posted by willpower101 View Post
Driver pulled out in front of me.
State mins in tn are 25/50/15
that's 25 bodily injury per person, 50 per accident, and 15 property damage.

I have no idea what the driver's policy is, but was told that if it's minimums, then I won't be able to seek a dime more than 25k - even including pain & suffering - without going to court.

However, I saw some laws in some states where the claim can roll over into property.

My problem is that my medical bills are easily going to go over!
5k ambulance ride + 5k hospital + 15k wrist surgery (tentative) or casting + whatever I need done to my knee.

I would really like a settlement, but I'm afraid I'm just going to be SOL

so here are some questions for people who have been hit before:

Q1. What happens when my bills go over the BI limits of the other driver?

Q1.5. Can I access the 50k per accident limit?

Q2. How and when can I or a lawyer "negotiate down" my medical bills?

Q3. Should I let my personal Health Insurance go ahead and cover all my bills? or should I leave the bills outstanding until a settlement?

Q4. How do I find out the other person's insurance limits? I called them and the refused to give the limits to me. Is that legal? Do I really have to pay to retain a lawyer to get these?

(I ask because, if I'm close to going over, I want to shop around a bit to keep my medical bills lower)

And any other relevant info you all might have for me.
(Dude lives in a $500 a month apartment based on his address, so I'm not enthusiastic about him having assets)
If I were you, I'd let my health insurance cover your injuries and then let the other person's car insurance cover any deductibles/copays for your insurance. If you get a lawyer and sue to get money from their insurance company that your health insurance will already cover, you're playing a losing game because you've got to still pay the blood-sucking lawyer.

However, I'm not a scumbag lawyer, so don't take what I say as professional legal advice.
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Old 09-17-2012, 10:36 AM   #14 (permalink)
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Do you have uninsured/underinsured coverage on your own policy? If so your insurance company will pay the difference then their lawyers will handle it.
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Old 09-17-2012, 10:39 AM   #15 (permalink)
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Quote:
Originally Posted by max384 View Post
If I were you, I'd let my health insurance cover your injuries and then let the other person's car insurance cover any deductibles/copays for your insurance. If you get a lawyer and sue to get money from their insurance company that your health insurance will already cover, you're playing a losing game because you've got to still pay the blood-sucking lawyer.

However, I'm not a scumbag lawyer, so don't take what I say as professional legal advice.
Most people don't know your own health insurance company will demand to collect settlement monies through subrogation. Your own lawyer might not even tell you this.
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