You need to have the UM carrier agree to allow you to accept policy limits under most policies. In essence they need give you permission to accept the policy limits or you have not complied with the policy language. If your attorney is skilled in P.I. he will know this. Good luck.
You should also look at your own insurance policy to see if you have underinsured motorist coverage. That covers damages for drivers that do not have enough insurance. Consult with a FL attorney immediately, if you have not already.
The costs always come off the entire settlement before the 1/3 attorney fee. The settlement will have to be approved by the Circuit and/or probate Court if it is a wrongful death case. Good luck to you.
In a wrongful death case you need to have approval of the Court in order to settle any case. Additionally, there have to be a personal representative appointed to settle the case on behalf of the Estate. You certainly need to retain a good personal injury attorney to handle this case. The amount of insurance is unknown at this time. Generally, you need to file a lawsuit to get a sworn answer from the insurance carrier as to all applicable insurance . Unless, they provide a sworn affidavit or...
One of the two cars was at fault. When there is an independent witness it spells trouble for the other driver? You would have to establish somehow that the witness is mistaken or not being honest. That is an uphill battle even for an experienced trial attorney. Without a deposition it is more difficult to establish. Good luck
You should consult an attorney right away in your area. Was your boyfriend an "excluded driver" on his parents policy. If not, than that seems unusual that they do not have to cover your medical bills. You are an innocent passenger and it is not your fault that this occurred. Please call an injury attorney in your area at once.
If you did not get insurance and your own insurance will not cover it, than you have to pay the damages. If the other person was at fault you could consult with a FL attorney to sue them. You have to have insurance at the moment of impact not purchase it afterwards and expect it to pay. Good luck to you. See a FL lawyer for your remedies.
The best move would be to contact a lawyer in your State. From the facts I cannot advise you what to do. Additionally, you need a lawyer in your State to properly negotiate with the insurance company and review the releases. Good luck
Costs and attorney fees to the lawyer and medical bills to the doctor and other payments to the client. The doctors can discount their bills but they don't have to. The bigger the bills, the bigger the damages. While the funds don't go to the client they do pay off a client debt -therefore benefiting the client.