Where your attorney has all of the facts and the history as to how this accident has so seriously impacted your life and will continue to impact your life you need to rely on the advice of your own attorney. On it's face, based on the summary, the advice sounds correct.
I have had my own clients talk to others about a particular concern that they have and the things that people tell them, people who have absolutely no knowledge about the full context of their case, are nothing short of irresponsible. People that second-guess often give second-rate opinion.
Law Offices of Andrew D. Myers, North Andover, MA & Derry, NH provide answers for informational purposes only. Actual legal advice can only be given by an attorney licensed in your jurisdiction, thoroughly familiar with the area of the law in which your concern lies. This creates no attorney-client relationship.
Your lawyer should find all available insurance coverage. From your question it sounds like he/she has. In the end it's the insurance companies that will pay you. Even of you get a judgment against the person who hit you, he can file bankruptcy. Unfortunately in your situation it appears that there is not enough insurance to cover your losses. I'm sure you have a good lawyer, you should discuss your concerns with him/her.
Your lawyer is best equipped to maximize recovery from your policy and his policy. No one here will have the details to second guess him.
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As the other attorneys have said if you have counsel this is a discussion for them.
If you do not have an attorney you should retain one quickly. An attorney will seek to discover all available coverages.
Some insurance coverages may already be expired.
This response is for general information only, no attorney client privilege has been established by this communication.
Your lawyer would be able to advise you best. Make sure your lawyer isn't deducting a high contignency fee (30% or higher), so you are left with the lion's share of the settlement, not him.
Licensed in PA & NJ. 29% Contingency Fee. Phone: 215-510-6755 www.InjuryLawyerPhiladelphia.com
Make sure your lawyer does an asset check on the defendant before accepting the policy limits and make sure there is no UM or UIM coverage available If there is , accept with a limited release only.
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