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Party 1 rear ends Party 2. Party 2 sustains complicated soft tissue shoulder and neck injuries. Party 1 has auto ins but is EXCLUDED from his own policy. Party 2 has Uninsured Motorist coverage: 50K per person.
Should Party 2 sue Party 1 and submit judgement under Uninsured Motorist or Approach his own insurer with the Uninsured Motorist claim directly?The issue is Party 2's lawyer seems only interested in making low demands directly to Uninsured Motorist to 'cash out.' As a 30 year Casualty Insurance Underwriter, I find this the easy way out.. good for attorney - bad for injured party. In other words - What are the other options?
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