LET YOUR INSURANCE COMPANY HANDLE THE CLAIM. NORMALLY, IF THE PLAINTIFF SETTLES FOR THE POLICY LIMITS, YOUR INSURANCE COMPANY WOULD SECURE A RELEASE FOR YOU. IN THE EVENT THAT THE SETTLEMENT NEGOTIATIONS FAIL AND THE PLAINTIFF DECIDES TO TRY THIS CASE, YOUR INSURANCE WILL DEFEND YOU AND IT WILL INTERPLEAD THE POLICY VALUE WITH THE COURT. HOWEVER, IF AT TRIAL , THE JUDGMENT GOES BEYOND YOUR POLICY LIMITS, ONLY THEN YOU SHOULD SEEK THE ADVICE OF A WITH A BK ATTORNEY. YOUR BK ATTORNEY WILL...
NINE OUT OF TEN THE OTHER DRIVER IS PENNILESS.. YES. YOU SHOULD SUE HIM ANYWAY JUST TO GET TO THE UNINSURED COVERAGE PROVISIONS OF YOUR OWN POLICY. I AGREE WITH ALL MY COLLEAGUES, IT DOES NOT HURT TO DO AN ASSET SEARCH. BEST OF LUCK.
Uninsured Motorist provision is a claim against your own insurance company. It works when the drunk driver does not have insurance or has minimum insurance. Talk to your lawyer and follow his advice. Best of luck.
Your options have been outlined by my colleagues. If you do not have substantial coverage and feel exposed then you must follow the advice given here or get a CUMIS counsel paid by the insurance company if they refuse to tender the policy. Talk to an experienced PI lawyer in your city or nearby. Do not worry about the cost. The first initial consultation is almost always free. Best of luck.
Manuel A. Juarez, Esq.
Do not sign any legal documents...
A few questions are needed, i.e. when did it happen, what chemicals were involved, who was in charge of the cleaning site, is this a worker's comp injury, has teh case settled, what remedies are after? Is there a thrid party involved? Thank you for considering these questions. best of luck.
First if your daughter was the driver and she has insurance or is insured under your policy, then she will be sued and your insurance company will defend her. If your daughter and you do not have insurance then, the owner of the car will also get sued. Maybe both will get sued from the start. If for some reason, your daughter's friend was negligently supervising her, allowing her to drive beyond the speed limit, talking on his cell, or texting and not watching where she was going or failing...
Based on your facts, the phantom car may be at fault. However, since you hit the other cars , their insurance companies may pay for their damages but then later they may come after you for reimbursement. You are required to have insurance in California. The minimum policy is $15k-$30. If you do get sued, I suggest you hire an attorney to help you. Best of luck.