Size does not affect rate. Also you should tell the adjuster to pay the policy. Only if the 100 policy is not enough to cover the meds and pain and suffering will you have to worry about a excess claim. But if the claim is worth more than the policy and they don't pay the policy when demanded then you will have a right to make your insurance pay the full judgment amount. But at this point if the meds are 22k and there on futures claimed the 100k policy should cover the claim.Ask a similar question
You can hire an insurance defense attorney and/or a personal injury attorney to represent your interests. Good luck.
The above is general information only and is not legal advice. The information provided does not form an attorney-client relationship, and should not be relied upon to take or refrain from taking any action. I am not your attorney until we sign a retainer agreement.Ask a similar question
Your insurance company has a duty to defend you in this situation. If they tender limits, you need to make sure the release releases you in your personal capacity.Ask a similar question
Retain your own lawyer to make sure your insurance company pays the claim and obtains a full and final release of all liability - so that you are protected from any further loss. Good luck.Ask a similar question
The insurance company will be on the hook for any successful bad faith claim brought forward by the Plaintiff. You should be fine with the 100k limits unless he moves forward with any surgical intervention etcAsk a similar question
While you can probably handle this on your own, you may want to speak with and possibly hire an attorney to draft a letter to the insurance company to protect your interests.
If you would like a free consultation, call me at 702-823-3333. www.naimidilbeck.comAsk a similar question
Plaintiffs’ attorneys are constantly searching for ways to maximize a recovery for their clients. Plaintiff’s attorneys do not want to collect damages from the actual tortfeasor. That can be difficult and time consuming. Instead, they like to collect directly from the insurance companies.
All adjusters know that insurance policies are written with limitations. Under the policy, the amount of the premium will dictate how much the carrier will have to pay out.
Plaintiffs’ attorneys know of these limitations and are always looking for ways to get around them. Plaintiffs’ attorneys and insurance companies both know that if the carrier acts in bad faith, it can be called upon to pay more than the policy limit. Bad faith claims are a concern for every insurance carrier. Not only do they damage the carrier’s public image, they also place an insurance carrier at risk to pay damages in excess of the policy limit. Along with that, there is also the risk that the carrier will have to pay a claim for punitive damages.
The materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. You should contact your attorney to obtain advice with respect to any particular issue or problem. Use of and access to this Web site or any of the e-mail links contained within the site do not create an attorney-client relationship between Howard Roitman, Esq. and the user or browser. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney.Ask a similar question
First, its good you have 100/300 limits as this is more than the minimum limits I usually see most people carry. Its very common for your insurance company to deny to pay an initial demand of full policy limits, as they want to pay as little as possible. Most cases like this resolve within policy limits, and you are ok for now. If you are stressing over the deal, you can always hire a local attorney to assist you.
Attorney Stacy E. Pepper is licensed in all State and Federal Courts in Mississippi. He is a founding Partner in the law firm of Pepper & Odom, P.C. Nothing posted here constitutes any attorney client relationship and is meant for educational purposes only. Office hours are 8:00 a.m till 5:00 p.m. Monday through Friday. Phone: 601-914-9219 Facsimile: 888-456-2160 www.pepperodom.comAsk a similar question
You can also retain independent counsel to protect your interests, as the lawyer from the insurance company will be a low-end attorney likely.Ask a similar question
Your liability carrier has obligations to you, their insured. If it is possible to settle this case within the policy limits yet later you end up with a judgment in excess of the policy limits, then you should consult with an insurance bad faith attorney to explore your rights against the carrier. However, with 22k in medical bills, the odds that this doesn't get resolved within policy limits is pretty low, as is the possibility of a jury verdict in excess of 100k.Ask a similar question
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