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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
You will have to await the outcome. Unless the driver has property damage in of $5,000 or more there is no reason for the carrier to offer that sum in settlement. I would be more concerned about an excess judgment on the personal injury claim.
In reality, the carrier is not going to risk a bad faith claim and will eventually offer the full $20,000 in settlement to buy its peace. So, your hope of having the carrier “on the hook” for the full amount of any excess verdict is illusory.
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This is tough lesson to swallow, but you should immediately call your insurance agent and up your limits.
It may cost you more in the front end, but it eliminates you tressing about excess judgments on minor cases like you are now.
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