RSS iconTwitter iconFacebook icon

The Trek BBS title image

The Trek BBS statistics

Threads: 140,915
Posts: 5,478,158
Members: 25,053
Currently online: 438
Newest member: johnclever25

TrekToday headlines

New Star Trek Funko Pop! Vinyl Figures
By: T'Bonz on Nov 26

QMx Mini Phaser Ornament
By: T'Bonz on Nov 26

Stewart as Neo-Nazi Skinhead
By: T'Bonz on Nov 26

Klingon Bloodwine To Debut
By: T'Bonz on Nov 25

Trek Actors In War Of The Worlds Fundraiser
By: T'Bonz on Nov 25

Star Trek: The Next Generation Gag Reel Tease
By: T'Bonz on Nov 24

Shatner In Haven
By: T'Bonz on Nov 24

Retro Review: Covenant
By: Michelle on Nov 22

Two Official Starships Collection Previews
By: T'Bonz on Nov 21

Saldana: Women Issues In Hollywood
By: T'Bonz on Nov 21


Welcome! The Trek BBS is the number one place to chat about Star Trek with like-minded fans. Please login to see our full range of forums as well as the ability to send and receive private messages, track your favourite topics and of course join in the discussions.

If you are a new visitor, join us for free. If you are an existing member please login below. Note: for members who joined under our old messageboard system, please login with your display name not your login name.


Go Back   The Trek BBS > Lounges & General Chat > Miscellaneous

Miscellaneous Discussion of non-Trek topics.

Reply
 
Thread Tools
Old January 10 2014, 12:59 AM   #1
Ro_Laren
Commodore
 
Ro_Laren's Avatar
 
Location: The Badlands
Car Insurance & Coverage Limits Issues When There’s a Wreck

As I mentioned in an earlier thread, my friends were rear ended while driving on the highway. My friends were talking to me about their injuries and we started to talk about insurance coverage limits. It made me start to think. In the state where we live, the minimum bodily injury liability insurance is $10,000 per person / $20,000 per accident. Now, my friends do not know how much coverage the driver that hit them has, but they know that their future medical expenses that are the result of this accident will be more than that. However, what happens if the driver that hits them only has the minimum coverage or a coverage that is not sufficient enough? If your medical expenses are more than the insurance coverage at the at fault driver, then how can you recover the expenses other than hoping that the person that hit you is rich and you can sue them personally? Anyways, most car insurance coverage is not very high. What happens when someone is paralyzed as the result of a car accident? Is it the job of the paralyzed person’s health insurance to cover the expenses?

Last edited by Ro_Laren; January 10 2014 at 01:00 AM. Reason: Added link
Ro_Laren is offline   Reply With Quote
Old January 10 2014, 02:56 AM   #2
SiddFinch1
Captain
 
SiddFinch1's Avatar
 
Location: State of Mind
Re: Car Insurance & Coverage Limits Issues When There’s a Wreck

Basically it depends in several things.
1. Most States have nofault so your friends own auto policy fir that car would cover medical bills

2. They can find out the coverage of the other car by contacting that drivers ins company or having a lawyer do it. Usually hiring a lawyer is the best bet and they work on contingency

3 do your friends have underinsured on their vehicle...it is to protect you from being hit by someone with a small policy
__________________
Life is what happens to you while you're busy making other plans: John Lennon
SiddFinch1 is offline   Reply With Quote
Old January 10 2014, 03:31 AM   #3
Ro_Laren
Commodore
 
Ro_Laren's Avatar
 
Location: The Badlands
Re: Car Insurance & Coverage Limits Issues When There’s a Wreck

SiddFinch1 wrote: View Post
Basically it depends in several things.
1. Most States have nofault so your friends own auto policy fir that car would cover medical bills

2. They can find out the coverage of the other car by contacting that drivers ins company or having a lawyer do it. Usually hiring a lawyer is the best bet and they work on contingency

3 do your friends have underinsured on their vehicle...it is to protect you from being hit by someone with a small policy
1. My friends are in Florida and it is a no fault state, but I don't know enough to know how that impacts their particular case.

2. Unfortunately, my friends have the same car insurance as the driver that hit them. It gives them a chance to get screwed twice by the same company!! I keep telling my friends to ask for a copy of the faulty driver's insurance coverage amounts, but they don't even want to ask 'cause they think that only a lawyer can get that info.

My friends are looking into a lawyer, but I'm afraid they'll rush things. Plus, depending on the extent of the injuries and the coverage of the other driver, it may be less cost efficient to get a lawyer.

3. I don't know if I follow you here. Are you saying that a typical car insurance policy has a category of insurance that pays out to you if the driver that hits you is underinsured / has no insurance?
Ro_Laren is offline   Reply With Quote
Old January 10 2014, 04:26 AM   #4
SiddFinch1
Captain
 
SiddFinch1's Avatar
 
Location: State of Mind
Re: Car Insurance & Coverage Limits Issues When There’s a Wreck

Y3..yes..here in Ny and many other States you have under insured coverage to payadditional $ if you get hit by someone with a minimum policy and uninsured if you get hit by someone with no insurance

No idea about Florida..I would think its offered but may not be mandatory... Your friends should check.with their ins company if they have it..

And they should be able to get the info on the other drivers policy with or without an attorney
__________________
Life is what happens to you while you're busy making other plans: John Lennon

Last edited by SiddFinch1; January 10 2014 at 04:37 AM.
SiddFinch1 is offline   Reply With Quote
Old January 10 2014, 02:35 PM   #5
abeardall
Commander
 
Location: Rockville, MD, usa
Re: Car Insurance & Coverage Limits Issues When There’s a Wreck

Ro--

Your friend needs to get an attorney. I understand the fear of losing out on some of the settlement, but lawyers know how to navigate these waters and how to deal with an insurance company. When a company sees someone represent themselves, the company knows it will be easy and less expensive for them. Whereas, a lawyer knows the interaction between the other driver's insurance company, your friend's underinsured motorist coverage, your coverage (yes...you could recover from your company if you are injured under some circumstances)...and so on.

Let's face it, you are looking for legal guidance on a Star Trek messaging board. This place if filled with kind people that want the best for you, but so far, it appears that none of them are Florida personal injury attorneys. Should this end up in Court, the judge will not accept "I heard this on a Star Trek BBS" as a valid assertion of law.

Good Luck (from a non Florida Lawyer)

-Andrew
__________________
"...hope, prosperity, discovery, and wonder." If any four words could describe Star Trek, it'd be those four. Well said.

-A response to one of my posts by Nathan Hale Bridger (quoting my words)
abeardall is offline   Reply With Quote
Old January 10 2014, 03:05 PM   #6
Robert Maxwell
beep
 
Location: boop
View Robert Maxwell's Twitter Profile Send a message via ICQ to Robert Maxwell Send a message via AIM to Robert Maxwell Send a message via Windows Live Messenger to Robert Maxwell Send a message via Yahoo to Robert Maxwell
Re: Car Insurance & Coverage Limits Issues When There’s a Wreck

If your friends have uninsured/underinsured motorist coverage, that will fill in the gap if the other driver doesn't carry enough insurance--at least up to whatever limit they chose for that. I carry $250,000/$500,000 of coverage for that, myself.

abeardall is right, though. They need to get a lawyer.
__________________
I has a blag.
Robert Maxwell is offline   Reply With Quote
Old January 10 2014, 08:33 PM   #7
Alpha Romeo
Vice Admiral
 
Alpha Romeo's Avatar
 
Location: Connecticut
Re: Car Insurance & Coverage Limits Issues When There’s a Wreck

SiddFinch1 wrote: View Post
Basically it depends in several things.
1. Most States have nofault so your friends own auto policy fir that car would cover medical bills

2. They can find out the coverage of the other car by contacting that drivers ins company or having a lawyer do it. Usually hiring a lawyer is the best bet and they work on contingency

3 do your friends have underinsured on their vehicle...it is to protect you from being hit by someone with a small policy
1. Not most states, some do but certainly not all.

2. Yes...hire a lawyer. Don't do it yourself.

3. A lot of states require underinsured coverage. That's your safety net. If all else fails you can go after the assets of the person that hit you.
__________________
"Kirk would have fucked the cold dead skull of the Borg Queen when it was all over."
Alpha Romeo is offline   Reply With Quote
Old January 14 2014, 06:11 AM   #8
propita
Rear Admiral
 
Location: fresno, ca, us
Re: Car Insurance & Coverage Limits Issues When There’s a Wreck

I helped with relatively minor personal injury cases in CA.

Yes, they should get a lawyer. Be aware that this is usually not resolved quickly. These things can take a year or more sometimes. That's because everything takes time to be received, filed, notified, etc. tedious. However, beyond that (at least in CA), nothing will really progress until all immediate treatment and therapy is complete. Not necessarily continuing, longterm therapy, though.

They should make sure they keep ALL paperwork from their doctors and all receipts, although when the time comes, they will likely have to order full records. That's a cost incurred in the case, usually by the attorney if this is a contingency case, to be deducted off the top from any settlement.

If they are getting medical care due to the collision through their own insurance right now, they should be aware that the insurance company will likely seek reimbursement. They didn't used to, they do now.

I didn't read the other thread, so I don't know if a minor is involved, but in CA, there's another process (a Minor's Compromise) for the child to receive their portion of any settlemtn, which must be approved by the court. It adds a few months to the final resolution.

Also, most medical bills can be reduced by a phone call to the billing department. Heck, even without a lawsuit. I had a $1000 copay on a medical test (yeah, and I have coverage). I called up and asked for a reduction. Provided I paid by credit card right then, I got a 15% discount. $150 for 10 minutes effort? No brainer!

Finally, do NOT go to a chiropractor for this! Insurance companies will stonewall when chiropractors are involved. There are too many shady ones and their treatments are not looked on favorably. Those bills will rack up and the insurance company won't pay or will delay, forcing the filing of a complaint instead of just negotiations.

Oh! Get a copy of the police report. Get any/all witness information. Get photos of damage, estimates of repair. It's a big pain in the ass for the plaintiff. If your damages are "only" a few thousand (which it might be if you have medical coverage), you'd have to decide if its worth it to do all this. Especially after the lawyer takes his/her 25-30%.
propita is offline   Reply With Quote
Reply

Bookmarks

Thread Tools

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump



All times are GMT +1. The time now is 11:43 AM.

Powered by vBulletin® Version 3.8.6
Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.
FireFox 2+ or Internet Explorer 7+ highly recommended.