Injuries More than Insurance Liability Limit

by Dee
(Sumter, SC)

My husband and I were involved in a car accident that wasn't our fault. We hired a lawyer and they spoke with the insurance company. The insurance wants to settle for 15,000 and my husband's medical bills are well over that amount. He was in the hospital for ten days because of a ruptured spleen and a broken toe.

The insurance company said that their client liability coverage is only $15,000 and that's all that they are required to pay. Is that true? How else can we get money for the medical bills?

Visitor Question:
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ANSWER for "Injuries More than Insurance Liability Limit":

When we purchase insurance, we are given the option to select certain policy limits and that ultimately impacts the price we pay -- the lower the policy limits, the lower the premium.

It sounds as though you were injured by a driver who selected the lowest allowable premium in the state: $15,000.00. Therefore, the insurance company is probably telling you the truth. You can always ask for a declaration page showing the policy limits just to verify that this is accurate, but I am guessing that it is.

All hope is not lost, however. Check your own insurance policy and see if you have an under-insured provision there. This is designed for the very scenario you have described where the other party's insurance is "under" the financial amount needed to fully compensate you for your injury.

Lastly, before you pay the medical bills, please know a little industry secret: Most, if not ALL medical providers will reduce their bills by 50-60% and more under these circumstances when there is simply not enough settlement to go around.

The above is general information. Laws change frequently, and across jurisdictions. You should get a personalized case evaluation from an attorney licensed in your state. Find a local attorney to give you a free case review here, or call (888) 647-2490.

Best of luck,

Judge Calisi

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