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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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