Can an insurance company be sued and forced to pay packet if your medical bills exceed the policy restrictions?
I hired a lawyer after mortal injured in a collision. My medical bills exceeded the policy restrictions but the lawyer I hired said suing them would be a gamble away of time since they only own to pay the factor. The insurance company cut 2 checks, one for the lawyers fees and one for the remainder. Is this the course i'ts supposed to be? Also, I never saw proof of what the policy limit be, is it too late to ask for it?
Answers:
I assume you're referring to the adverse policy, not your own. Here are some common comments, not necessarily applicable to you: If the injured party (you) carry or is covered under uninsured motorist coverage contained by an amount which exceeds the adverse policy limit, it is possible that transmittal can be received under the UM portion of (your) policy. In CA, typically one check is cut for the total settlement amount, unless a minor is involved, within which case the fees are issued separately. This is not legalized advice. Consult your attorney.
Sued for what? Not forcing YOU to buy more coverage? Of course not! They can't MAKE you buy more coverage!! It's not THEIR show disapproval!!
It's absolutely true. If you budge to a car dealership, and plunk down $10,000 for a Ford Escort, you gonna sue them if they don't turn over a brand bright Cadillac?
Just like everything else, you seize what you pay for. You DON'T grasp what you DON'T pay for.
You don't own a copy of YOUR policy? Just ask for it. If you're talking in the order of someone ELSE'S policy, you don't have a RIGHT to see it. If you don't want to settle for the policy restrictions, refuse to settle, next sue the guy in court. It will rob 2-3 years, your lawyer will catch 30% of the JUDGEMENT, and the insurance company will ONLY pay out the policy constrict - which leaves you with a judgemetn, that you next have to try to collect from the guy.
If you adopt policy limits, you'll expected have to sign past its sell-by date that you won't sue the guy for anything else.
You can ask to see your policy information. . . but remember your insurance policy is a contract. . next to limits and those confines are all they are required to clear. . .good luck
From far as i know they do just pay up to the rein in cause that be the agreed amount. You should have recieved a thesis stating all the info when you first get your policy it would be a waste of time though.