I rearended another driver. I have only the cal. state minimum personal injury policy of $15,000 and $5,000 property damage. The driver initially appeared okay but then someone called an ambulance. My insurance said they were working with the driver and would settle but they were doubting the amount of his claim. They also said the driver was rude . After a couple weeks my insurance said they would offer the policy limits on the personal injury but not on the property damage to the driver. Then they suddenly told me the driver was going to hire an attorney and that the claim would exceed my policy. They also told me driver has an underinsured motorist policy of 20k but his lawyer refuses to negotiate and wants to go to trial. If I lose, do I have a decent bad faith insurance case?
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