by Guest » Mon Mar 07, 2011 09:40 pm
was hit by an uninsured drunk driver, driving his brother's truck. I went to ICU, he went to jail. I have UNIM insurance and collision coverage. Is my medical and pain & suffering taken out of my 25/50 or is my medical paid directly and then any pain & suffering come out of the 25 max? My hospital bill exceeds the 25.
Posted: Tue Mar 08, 2011 12:15 am Post Subject:
You would need to have PIP/Medical Payment coverage and/or Uninsured Motorist Bodily Injury coverage. Otherwise, your carrier won't pay anything. You don't mention what the 25/50 coverage is (I'm guessing liability coverage, which would not apply).
There is simply no way of telling what you are talking about unless you mention the _specific_ coverage you are referring to.
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