It sounds like you are in litigation and, hopefully, you have an attorney representing you. If this is the case, you should direct these questions to the lawyer.
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Likely not. The insurance coverage will likely still apply. If the value of your claim exceeds his policy limits then you may have a UIM claim. I would speak with a personal injury attorney to assist with your case. Best of luck.
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You need to talk with personal injury attorney right away to deal with the U coverage issues.
In no way am I offering you legal advice, and in no way has my comment created an attorney-client relationship. You are not to rely upon my note above in any way, but insted need to sit down with counsel and share all relevant facts before receiving fully-informed legal advice. If you want to be completely sure of your rights, you must sit down with an experienced criminal defense attorney to be fully aware of your rights.
Great question! I don't know the answer (never had this issue in 23 years) but I know how you should proceed. Have your lawyer contact your insurance carrier and initiate an uninsured motorist claim. They will promptly conduct a coverage investigation. Then have the UM claim and your third-party case consolidated. If one fails along the way the other will be in place.
This appears to be a very unusual situation. There are a number of legal issues which your attorney will need to sort through. Do not attempt to do this on your own. You should obtain personal injury counsel to assist you.
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Weird deal. Something is amiss here. Who in their right mind would pay inruance premiums for years upon years and then when it is time to pay out on a claim and to provide a legal defense the individual says "nevermind, I will pay for everything". If Bill Gates or Warren Buffet were not the ones who hit you, then there is something else that is going on and this may actually be an uninsured motorist claim. If you are not represented (which you should be), I would ask the defendant's carrier to put in writing why they are no longer involved in the claim. If they won't cooperate and the defendant is not forthcoming with more information, you have no choice but to file a lawsuit in order to be able to take the deposition of the defendant under oath and get down to the bottom of this unusual dilemma.
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