I've had a law suit going onon for close to 8 yrs now and the whole time the policy limit I was told was 100k and every time it would get close to the court date state farm would ask for a continue of the trail and they would always continue it for a yr ...my husband and I both have law suit against them...well my husband past away before they even decided to settle.. Now when they decide to settle they're saying that the policy coverage is 50k after all this time they said it was a 100k ...now my attorney wants to settle for 45k. And said I would get around 10k ...because of nogotiating with the lean holders on medical bills... When I had blue cross blue shield insurance that paid everything and what wasn't paid came out of pur pockets.
There might have been a miscommunication between your attorney and you. Policies are generally written 50/100. That means there is 50K per person injured as a result of one incident and a total of 100k coverage per incident regardless of number of people. So in your case 50K each or a limit of 100K for both. Check with your attorney and ask to see the dec page from State Farm. If the limit is shown differently then ask why the attorney is not fighting for the 100K. Good luck.
Your insurance carrier can't change your coverage, it is was it is. But I'm not clear on why this has been an open question. Are you saying your lawyer never got a copy of your policy to see the limits? Didn't you have a copy of your own policy to see what the coverage limits are?
If this a "bad faith" suit for your carrier not paying up when they should have, why are you even considering settling for such a small amount? The fact that your husband has died makes you a very sympathetic plaintiff.
I also have to wonder why you aren't asking your own lawyer about your policy coverage, and about his willingness to take this case to trial. it's that threat that will make your carrier pay you more money.
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