Would a lawyer take a case if the policy limit is only 30,000

it has been over two years since my accident & would a lawyer have a claiment take cervical surgery without knowing if there is enough to cover surgery , loss wages ,etc.?

Greensboro, NC -

Attorney Answers (7)

David S. Henson

David S. Henson

Personal Injury Lawyer - Rocky Mount, NC
Answered

In addition to what others below have said, don't just assume that the defendant only has $30,000 in liability coverage. I never take what an adjuster tells me over the phone as being true. In countless cases, I have had adjusters tell me 'wrong' when it comes to policy limits or coverage issues. In addition, there may be other policies available to the defendant that the adjuster does not know about, or is not volunteering to tell you about. For instance, there could be umbrella or excess liability policies, the defendant could have been working at the time of the collision in which case there could be business liability policies that apply, etc. Then, as others have pointed out, an exhaustive search of underinsured motorist coverages should also be done for all of your resident family members, etc. This is technical stuff, and review by a qualified NC personal injury lawyer would be prudent.

Timothy Shawn Howard

Timothy Shawn Howard

Personal Injury Lawyer - Raleigh, NC
Answered

I agree with the last statement. If you haven't already, I would also encourage you to review your own insurance policy to determine if the limits of your Underinsured Motorist Coverage exceed North Carolina's minimum liability limit of $30,000.00. If that's the case, you'll have additional coverage even if the at-fault driver only had a minimum limits policy.

Andrew Daniel Myers

Andrew Daniel Myers

Personal Injury Lawyer - North Andover, MA
Answered

Your decision whether or not to have surgery should me made on the basis of your conversations with your physician and the likelihood that it will improve your life. That is the only factor that you should consider as to whether you should have the surgery.

As a separate matter, yes you should retain an experienced personal injury attorney in your jurisdiction to explore all coverage options. The statute of limitations in your state is 3 years and no professional likes to be hurried at the last minute so I highly reccomend that you make this a priority now.

Law Offices of Andrew D. Myers, North Andover, MA & Derry, NH provide answers for informational purposes only.... more
Daniel Nelson Deasy

Daniel Nelson Deasy

Personal Injury Lawyer - Centennial, CO
Answered

You need counsel. Why? Because there may be other dollars avaiable to you through your own carrier. Likewise, an experienced personal injury attorney can negotiate the medical bills due and save you real money in the process.

I wish you luck and I hope the surgery turned out well.

In no way am I offering you legal advice, and in no way has my comment created an attorney-client relationship.... more
Solomon Neuhardt

Solomon Neuhardt

Personal Injury Lawyer - Billings, MT
Answered

Definitely. I have taken cases where the policy limits are only $25,000. You definitely need to look at underinsured motorist coverage. Also if its possible that some of the medical bills will be paid by your health insurance is helpful.

Jeffrey Scott Altman

Jeffrey Scott Altman

Personal Injury Lawyer - Miami, FL
Answered

My firm handles catastrophic car accident injury cases, brain injury cases and wrongful death cases in Miami, Florida. In addition to the good comments of other attorneys about additional insurance coverage that may be available, I feel compelled to state that neither I, nor the attorneys I know, ever have a claimant do a surgery - that is a medical decision between the patient and the surgeon. We commonly answer questions about insurance policy limits in car accident cases in Miami, Florida to educate our clients and give upside's or downside's of a case, but never tell a client to have surgery or not have a surgery because there is or is not enough coverage.

DISCLAIMER - Any information provided is not legal advice. There is no attorney client relationship created in... more
Pedro Eduardo Krompecher

Pedro Eduardo Krompecher

Personal Injury Lawyer - Raleigh, NC
Answered

Insurance coverage issues can be very complicated. There are many ways to investigate the extent of insurance coverage and many of those were discussed by other attorneys in response to your question. In addition to insurance coverage, the person who caused your injury may have personal assets that would be available to cover your medical expenses and your pain and suffering. Although many attorneys do not consider anything other than an insurance policy, there are other ways to collect a judgment or to obtain assets for a settlement. Personal property and company assets are always a possibility. Talk to an experienced attorney who handles complex claims and you will find yourself in good hands. Good luck with your recovery.


Pedro Krompecher
Krompecher Law Firm, PLLC
(Phone) 919-229-9529
(Fax) 919-869-2933
(Email) pedro@krompecherlaw.com
www.krompecherlaw.com

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