in December of 2011 I was rear ended on the freeway, I went and got treatment for 3 months from a chiropractor and the other party payed for everything, but just recently in the past month my back has been hurting severely all over again. Is there anything I can do. The other parties insurance company told me that there client has already maxed out there medical compensation.
There are several different ways to approach your problem. The person who hit you may have "maxed out" their medical compensation but you may still look at your own medical payment benefits through your insurer or PIP if you have it and you may obtain treatment through your health insurance plan if you have it. Those insurers will likely request reimbursement, called subrogation, when you settle your case. However, you are able to obtain the treatment you need in the mean time. You should talk to a California personal injury attorney to help you through these issues.
Saying the "medical compensation is maxed out" doesn't make sense. The minimum policy limit for bodily injury liability in California is $15,000, which includes both medical and pain and suffering. Having said this, my colleagues are correct that if you signed a release, you will not be able to get anything more.
Doesnt make sense. The other party wouldnt be paying your bills out of medical payment coverage. Also, it is rare that the liable party's insurance co advances payments to claimants. Normally they want a release. Are you sure it is not your own ins co med pay that has been exhausted? If so, you can still pursue the responsible party and his ins. See a local lawyer asap to sort this out.
We don't have enough information here. It doesn't sound like you released your claim, but if you did sign a release in exchange for money paid to you and your medical providers, you would have no claim left. Also, if you settled your claim, you can't come back later. That's part of the problem with settling quick; you just may not know what you need to know. But I also don't understand who the people are here. An insurance company's "client" cannot exhaust his liability coverage as to you. But it is a little confusing based on what you have provided here. Give us more details and we will be happy to give you more help. Good luck.
I agree with the responding attorneys. There are details in your case that may need to be sorted out in a legal consultation. You will want to discuss this with a personal injury attorney to discuss your legal options. I have fought against insurance companies for over 20 years to protect the rights and best interests of my clients. I hope that I can be of service to you.
Get free answers from experienced attorneys.
28,744 answers this week
3,092 attorneys answering
Don't speak legalese? We define thousands of terms in plain English.Browse our legal dictionary