You definitely want to stop right here and get yourself a lawyer who handles estate planning and special needs trusts. The SSDI that your daughter receives can definitely be impacted by this settlement, although there is generally a way around it in specific situations by creation of a Special Needs Trust.
I have had my clients consult with an estate planning lawyer who handles these in the situations where there is social security income or Medicaid benefits that may be impacted.
Will depend on all of the following factors: you profession, disability level, type of surgery, wage rate, adjuster and insurer, arbitrator assigned.
It's impossible to know without reviewing all the medical, knowing your wage rate, age, profession, and level of impairment.
You have a large WC case. Many lawyers would love to assist you in getting compensated fully.
If you feel you've mastered all this as well as the insurer has, go settle it yourself.
If you feel a bit lost...
Pleading guilty was ill-advised, as it is an admission if negligence civilly.
You're being sued for personal injuries, which do not need to be obvious st the scene to be legitimate.
You did the right thing turning it over to your carrier. They'll hire lawyers to represent you and settle the case for up to your policy limits if that is warranted.
You're in good shape with good coverage. Next steps may include written or oral questions, if this is a lawsuit. If it's just at the claims...
If you think any insurance company will pay you what you want on this without a lawyer, you should seek help immediately! It will never happen.
Like the other answerer said, one can claim anything, but proving it is another thing.
Please don't even think of handling this yourself. You require legal help, a lawyer who will understand what is needed to compensate you fully for all your physical and lost wage injuries and damages, and, most significantly, what documentation is required or...
First of all, as the other answer pointed out, I cannot give you any advice on a pending case if you are represented by a lawyer.
However, since I presume that since you live in Cook County, and this accident presumably occurred in that county, the general procedure is to try to resolve things with the insurance company first, prior to filing a lawsuit. In this case, it is quite possible that the daycare either has not forwarded your attorney's letters to their insurance company, or...
You've done most of the things "right" so far. If they faxed it to their insurance company, they are aware of it. DId you get a copy of this report? Do you have the insurer's contact information? The name of the person you spoke to at the store?
All of these would be important for the attorney who handles your case.
I recommend not handling this yourself, as premises liability case law is particularly difficult to surmount unless you know what you are doing.
Fortunately, you don'...
The owner's policy should cover this for any permitted driver, like you.
Report this to the carrier and forward all papers to the insurer.
The amount claimed is jurisdictional, and has no relation to what you are necessarily liable for.
I can understand why you are so stunned. You bought insurance and paid it, but now the carrier is playing games with coverage.
There are very strict requirements before insurers are allowed to simply abandon insureds.
First thing you must do is forward the suit papers to the insurance company. Do it via fax, certified mail, messenger, carrier pigeon, and perhaps all those methods. Save copies of the proof of communication of this.
Then, you will want to contact an attorney who...
Rates take into consideration many factors, even if you didn't make a claim.
You're complaining about $50/year. That doesn't seem like much. What exactly do you expect--that rates will always stay the sane?
Rates change periodically based upon many factors. If you are unhappy, vote with your feet and find a new carrier.