Answers/Advice needed

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Posted: Wed Oct 28, 2009 9:32 pm Post subject: Answers/Advice needed

I was in an accident where my friend was driving and rear ended another car. The airbag blew up in my face and caused massive trauma in my eyes, I was on bedrest and couldn't see for 2 weeks, and still have 20/400 vision in my left eye (developed a cataract from the trauma) over a month later. I might have to get surgery in the future but my big problem is I was dropped off my parent's medical insurance because I'm not enrolled in school at the present time. I really never planned on suing my friend or her insurance but I don't know if my family will have enough money for surgery and complications that have happened with my eye. I was wondering if anyone could kind of guide me through the process of what would happen if I did sue her? Or would it just be money from her auto insurance? I just don't really know what would happen and it just kind of scares me. Haha any help is truly appreciated. -Jessica _________________ Register Now to have your Insurance queries solved.

jessielynn

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Posted: Wed Oct 28, 2009 10:59 pm Post subject:

You could just file a claim with her insurance company.

Trench

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Posted: Wed Oct 28, 2009 10:59 pm Post subject:

You file an bodily injury claim against her policy and see what they would pay. You don't need to file suit to get paid... you do this if you feel they are not paying enough. Or you can hire and pay an attorney to handle the matter. Personally, I'd file the claim and see what they have to say first. If you don't like the offer you can always hire an attorney then. This person might have very low limits and their carrier might offer you those limits which is all you'd get from them. If someone in your household has Underinsured Motorist Bodily Injury you can then also file a claim under that (if the other carrier pays their limits. You'd need to let your carrier know if the policy limit offer before you accepted it. Filing a claim as an injured passenger and against the driver happens all of the time. It's not like you hate the driver... it's just how you get compensated for their negligence. Does your state have P.I.P or some type of Medical Payment coverage? If so, your carrier might need to pay some of these medical bills.

tcope

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