Yes they can settle without your consent. It is very unusual for an insurance company to pay out on a claim that appears totally baseless, so they must have felt it was justified for some reason. People still get hurt in low-speed accidents, so that alone is not a reason to deny a claim.
Yes. Read your policy. I believe it says the insurance company can settle a claim without your consent. They apparently determined it was more cost effective to pay a small sum to resolve the claim than to incur the expense and risk of defending the claim. Very few policies require the consent of the insured. Medical malpractice insurance for doctors typically require the extent of the insured. There may be others but I am unfamiliar with any auto policy that requires consent. You bought insurance to protect your personal assets from auto claims against you. THe insurance company provided you with that protection.
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The insurance company can decide to settle a case without your consent. While it may seem unfair, the insurance company acted in their best interests as well. At the very least, you will almost certainly not be open to personally being sued based on the accident.
Any answer given is for general reference and does not establish an attorney-client relationship. For a more detailed answer based on the facts of your case, contact Greater Tampa Law, P.L. at (813) 444-2244 for a consultation. www.greatertampalaw.com
The insurance company can settle a claim without your consent. They must have determined it was more cost effective to pay to resolve the claim than to incur the expense and risk in defending the claim against you.
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