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Questions About Auto Insurance & Accidents

4406 messages,  Last post on Oct 17, 2009 at 9:53 AM

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#4403 of 4406 Re: My Corrola 2010 got hit [dkvn] by mikefm58 Oct 17, 2009 (4:22 am)
Replying to: dkvn (Oct 16, 2009 4:20 pm) Call LM and open a claim, leave the attorneys out of the picture, give LM a chance to fix things, your car and your wife's injuries. If you're in an "at fault" state, your policy will pay your wife's medical bills, and since there were injuries, you are also required to notify your ins. company, which it seems you already did.   In the grand scheme of things, your accident is quite minor and there shouldn't be any problems getting LM to pay things. I take it the police were called and an accident report was issued?
#4404 of 4406 Re: My Corrola 2010 got hit [dkvn] by imidazol97 Oct 17, 2009 (6:13 am)
Replying to: dkvn (Oct 16, 2009 4:20 pm) Don't be distracted by the concept that you are only dealing with the insurance company for the person at fault. You are not bound by what their insurance policy pays or doesn't pay. The person who hit you is at fault and their hold all responsibility for your damages. So after a brief chance to set things right, you talk suit to go after what hasn't been covered, including your wife's injuries.   If the person is a deadbeat who has been allowed to drive without financial responsibility then it's up to your state to take away their license and registrations. In Ohio when getting license plates for a vehicle you have to sign that you have financial responsibility in place, whether it's your own personal wealth that you can use to pay damages or you carry insurance. The state of Ohio regularly sends out letters for proof to those not listed as holding insurance in of Ohio.   Your claim is small and your own insurance company may not want to go after the person for the $1000, since it is your money, if LM doesn't fork up.
#4405 of 4406 Re: My Corrola 2010 got hit [dkvn] by Mr_Shiftright HOST Oct 17, 2009 (9:53 am)
Replying to: dkvn (Oct 16, 2009 4:20 pm) also, you can (and should) settle the car damage and the medical issues separately.   If you are going to claim medical injuries, you almost have to file a claim, make out an accident report, etc.

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