by jo » Sat Aug 29, 2009 09:05 pm
I was involved in a car accident that was the other person's fault. She was speeding 1/2 block from the school zone, hitting my car on the passenger side rear, sending my car into a 180 degree spin. The impact sent my bumper flying over 30 feet. She didn't make any attempt to avoid the accident.
Luckily the police chief witnessed the accident and documented all this on the police report. Her insurance paid for my totaled car but because I now have 2 herniated cervical discs and have not recovered, they haven't made a settlement offer.
I don't know what their limits of liability are, but I have a question. If I go through my insurance company my limits are $50,000. What happens during subrogation if the driver's insurance coverage is only $25,000 and my insurance company settles with me for $50,000? From whom do they attempt to recover the other $25,000 from?
Luckily the police chief witnessed the accident and documented all this on the police report. Her insurance paid for my totaled car but because I now have 2 herniated cervical discs and have not recovered, they haven't made a settlement offer.
I don't know what their limits of liability are, but I have a question. If I go through my insurance company my limits are $50,000. What happens during subrogation if the driver's insurance coverage is only $25,000 and my insurance company settles with me for $50,000? From whom do they attempt to recover the other $25,000 from?
Posted: Mon Aug 31, 2009 04:09 am Post Subject:
Most likely the adjuster won't address the loss of your job until it happens. Even then they will need to be able to verify that it's related to this accident.
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