Ok question how does car insurance work like Uninsured Motorists when i get hit by a drunk driver thats has no bodily injury

ok my pip has exhausted.i had 3 injection and they did not work. i need back surgery i was told by the lawyer helper that i should not have surgery done until after the case is settle. because my Uninsured Motorists is only 25000/50000 so how does the settlement work. it was a three car accident but the drunk driver hit the lady behind me that hit me then drove off and hit another person. the drunk driver was going about 50 mph when she hit the lady behind me . i like to know what i should do.

Saint Petersburg, FL -

Attorney Answers (11)

David Irving Shiner

David Irving Shiner

Car / Auto Accident Lawyer - Boca Raton, FL
Answered

This is a question you should be asking your attorney. If you do not have one immediately contact a personal injury attorney and have him/her work towards maximizing your recovery. www.InCourt.com

Legal Disclaimer: If this information has been helpful, please indicate below. Mr. Shiner is licensed to... more
Scott J. Corwin

Scott J. Corwin

Car / Auto Accident Lawyer - Los Angeles, CA
Answered

The responding attorneys are correct. This is a question best suited for your attorney.

Jeffrey Robert Davis

Jeffrey Robert Davis

Car / Auto Accident Lawyer - Miami, FL
Answered

Do you have health insurance ? Were you on the job when you got hit? If not to both- did you have medical payments coverage? Did you do an asset search on the defendant? These are questions to ask before answering the surgery question- if you need the operation and only have 25k in coverage with an uncollectable defendant, tell your lawyer to get the doctor and surgery center to do the procedure for 25000 and waive his fee

Manuel Alzamora Juarez

Manuel Alzamora Juarez

Car / Auto Accident Lawyer - Berkeley, CA
Answered

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.

This answer is provided by Manuel A. Juarez, Esq., El Abogado de Accidentes de Autos de California: 510-206-4492.... more
Answered

It doesn't sound like there is much else you can do, other than perhaps force the other driver into bankruptcy.
However, there are some insurance issues which could open up the gates for recovery.
Discuss these with your lawyer or perhaps get another opinion.

John Lawrence Buckley

John Lawrence Buckley

DUI / DWI Attorney - Denver, CO
Answered

I agree with my colleagues but will also add you need to discuss this with your treating physician. Regardless of how the lawyers play things out, this is your body.

Best of luck to you.

No answer here should be considered to form an attorney-client relationship. You should consult with a licensed... more
Jeffrey Mark Adams

Jeffrey Mark Adams

Car / Auto Accident Lawyer - Bronx, NY
Answered

Schedule a meeting with your lawyer

Personal injury cases only; I'm good at it; you be the Judge! All information provided is for informational and... more
Christian K. Lassen II

Christian K. Lassen II

Car / Auto Accident Lawyer - Philadelphia, PA
Answered

Speak directly to the lawyer, not the lawyer helper.

Only 29% Contingency Fee! Phone: 215-510-6755 www.InjuryLawyerPhiladelphia.com
Lars A. Lundeen

Lars A. Lundeen

Personal Injury Lawyer - Rutland, VT
Answered

I suggest that you speak directly with your attorney (not a helper) and discuss all of these issues with him or her. That is why you are paying your attorney good money. If you have exhausted your PIP benefits, perhaps you qualify for Medicaid or other insurance? Discuss all of these issues with your attorney.

Legal Disclaimer:

If this information has been helpful, please indicate below.

Mr. Lundeen is licensed to practice law in Florida and Vermont. The response herein is not legal advice and does not create an attorney/client relationship. The response is in the form of legal education and is intended to provide general information about the matter within the question. Oftentimes the question does not include significant and important facts and timelines that, if known, could significantly change the reply and make it unsuitable. Mr. Lundeen strongly advises the questioner to confer with an attorney in your state in order to ensure proper advice is received.

This ans. does not create an attorney/client relationship.
George Costas Andriotis

George Costas Andriotis

Car / Auto Accident Lawyer - Tarpon Springs, FL
Answered

Settling with your insurance carrier for the $25,000 limits would be one option. Contacting them & providing them you injury information should be enough to settle but they may give you a hard time. Going after the drunk driver personally is another option assuming he/she has assets which are not protected. The driver behind you may have coverage and some liability I.e. following too closely, etc. you really should contact a lawyer to explain all your options and investigate further.

James Lawrence Magazine

James Lawrence Magazine

Car / Auto Accident Lawyer - New Port Richey, FL
Answered

i disagree, what needs to happen if a surgeon has recommended surgery is to submit a demand to your insurance company under your UM provisions. if your insurance company doesnt pay then your attorney should submit a CRN which gives the insurance company an additional 60 days to tender. after that time should they not tender you may be entitled to damages in excess of your UM policy limits. you need to make sure your attorney is familiar with this process

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