M in Florida. I was in a car accident, rear-end collision last June by a drunk driver. After 14 months of care and therapy dr, my lawyer sent the package finally calls the insurance company. Long story short, the other driver was drunk, died immediately. I wore my belt and I thank God for airbags. I have 3 slipped discs, had broken his wrist and a broken foot, was unemployed for three months and the doctor told me, now I’m at 20% of permanent disability. I can not, because to take the stress syndrome. Scares the hell out of me, to be behind the wheel, I see a consultant for this. I basically live on pain medication and massage therapy was continued, and I am unhappy. I am only 32 years old and I have two small children. In other words, I have to live with this for a long time
The other driver had 500k limit, is responsible for 100%. My lawyer has called the entire political, but I doubt he is. (I will not even a lawyer, I hate it. I only had one because, in Florida, it’s hard to get without a care, because all the doctors want a letter of protection, declaring them to pay the colony. That damned System)
Anyway, any ideas what I can expect, and how long it will be? He requested a response within 35 days, and I heard that most insurance companies usually react within a few weeks in cases like these. Sense, a clear responsibility to their policyholders.
In fact, a young mother of two young children, permanent disability, liability, cut and dried, it is outrageous that the entire policy limit of $ 500K expect here.
And if that was me. . . Stark ask my lawyer to check with car insurance, that is, whether it an umbrella liability insurance in place – with a limit that high, it is actually very likely – and if the institution must consider conflict to be a six-figure settlement, they are much quickly settle on a limit of $ 500,000. While your lawyer is really good, and they felt in the letter. If it is not. . . Tell them to write the application again and questions about the coverage umbrella.
In any case, if you are fully healed and the maximum recovery (because there will be no solution until a maximum physical recoverage was achieved by you), you can expect a period of 90 days.
If they agree, the $ 500K cut your attorney comes first, then the reimbursement of all providers of medical care or health insurance for your car / she paid your medical bills, and you get what remains.