Talk with your Adjustor who has conducted an investigation and should be able to provide you with an answer.
Mr. Padove is licensed to practice law in Illinois and Indiana. He can be contacted at Burtonap@aol.com (219) 836 2200. 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. Padove strongly advises the questioner to confer with an attorney in your state in order to ensure proper advice is received. If this information has been helpful, please indicate below.
This is why you have insurance. Cooperate with your carrier. Have they placed you on notice of a potential excess verdict?
Personal injury cases only; I'm good at it; you be the Judge! All information provided is for informational and educational purposes only. No attorney client relationship has been formed or should be inferred. Please speak with a local and qualified attorney. I truly wish you and those close to you all the best. Jeff www.nyelderinjurylaw.com
The police report (if one was made) should tell you if you were put at fault. You really should contact your insurance company as they have a duty to represent you against any claims. They should be able to tell you anything you need to know about the claim. Try not to stress and let them handle this for you.
First off, if you had insurance and your adjuster is talking to you, they will determine all of this and the money will be paid from your policy. You won't pay him directly.
Second, injuries are not always apparent at the scene.
Third, as an avid cyclist, this is a wake up call to you that cyclists are to be given adequate room. You can't just squeeze by or you are asking for trouble like this. Good thing he wasn't seriously injured.
Since you mentioned "your adjuster," I have to assume your auto insurance covered this loss and that it was reported in time.
If not, you would have to pay him out of your own pocket, in which case I'd request full medical records and itemized bills, plus photos of any visible injuries as a starting point. Usually, for non-serious injuries, the bills plus a little extra for pain and suffering should suffice.
Make sure if this is what you do you obtain his signed release of all claims so you don't get sued later.
Stephen L. Hoffman
Law Office of Stephen L. Hoffman LLC
This answer posted on Avvo is for informational and educational purposes only. There is no attorney-client relationship created or formed and you should not rely on this as legal advice. The suggestion is made that if you wish to protect your rights, you consult with an attorney immediately.
The insurance company has been paid a premium so they need to work for you. Let your carrier know the details and your position in the matter. Be sure to ask for written status reports from your insurance company and there are cases where an insured gets sued because the insurance company doesn't do what your paid a premium for. You can consult with a private attorney should you feel that is necessary.
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