by gb298888 » Fri Mar 07, 2008 06:16 am
Im pretty sure you probably know my situation. If not here is a run down. My landlord failed to fix the porch so it can be safe. It was also a building code violation. The fix was inexpensive and not long to fix. Due to this i injured my right hand and wrist. I had to get surgery to fix it. i was left with 70-90% radial nerve damage to my hand/wrist. I have to deal with pain and weakness. This injury is permanent. Know how cheap my landlord is he probably got the least h.o insurance coverage which is a 100k. I know my claim is worth more. I thinking about just asking for that.
Posted: Sat Mar 08, 2008 07:20 pm Post Subject:
Medical bills are low because doctors couldnt do much. They either going to grow back or not. Which the dr who did the emg said if i was going to get better it should of by now. I havent got a bill from the emg. Liability is pretty clear. It was even a building code violation. Hope they make me an offer.
Posted: Sun Mar 09, 2008 11:28 am Post Subject:
You'll need to let them know when you are finished treating and ready to discuss a settlement. you certainly need to wait on those last bills though.
Posted: Tue Mar 11, 2008 04:16 pm Post Subject:
Don't assume he has a certain amount of coverage and ask for that. As mentioned above, find out the extent of your loss. Keep track of your costs and lost wages. When everything is back on track or your losses are measurable, then discuss settlement. You are entitled to indemnification of your losses.
If he does not have enough coverage, you can still hold judgement against him for any amounts over what the insurance pays. Don't sell yourself short on an assumption.
Posted: Tue Mar 11, 2008 04:42 pm Post Subject:
I thought there was an item called underinsured motorist that took over for that.
Posted: Tue Mar 11, 2008 05:00 pm Post Subject:
Underinsured motorist is when the person at-fault does not have enough insurance to pay for the damages to someone car or injuries.
Let's say someone has $25,000 in property damage coverage on their liability coverage and they hit and total a $50,000 Mercedes. They are underinsured and the owner of the Mercedes can file on their own policy, through the underinsured motorist coverage, to pay the difference.
In this case, the insurance company is just trying to get away with paying as little as possible..
Posted: Tue Mar 11, 2008 08:54 pm Post Subject:
I thought there was an item called underinsured motorist that took over for that
hummingbird this is a landlord/homeowners claim...also not all people carry UIM, in fact I think only a couple of states require it. But you are correct if it were an auto claim, and if it were an excess claim, and if the injured party had UIM, it would apply :)Posted: Tue Mar 11, 2008 08:56 pm Post Subject:
Let's say someone has $25,000 in property damage coverage on their liability coverage and they hit and total a $50,000 Mercedes. They are underinsured and the owner of the Mercedes can file on their own policy, through the underinsured motorist coverage, to pay the difference.
I think you've got some things turned around...if the pd coverage was too low the mercedes owner would use their 'collision' coverage, if however the at fault person's bi limits were 25 and their injury 50k then they could use their UIM, I've never seen a UIM coverage that applied to anything other than injuries (not physical damage)...I could be wrong and there may be a state that does allow it...I've just not seen it........yet.... :wink:Add your comment