Although you are well versed in personal injury claims arising from motor vehicle accidents, one thing is apparent from your post and other comments to the responses you've received here: you have some confusion as to how the policy limits apply to your individual claim.
The bottom line is that if your injuries are worth significantly more than $100,000 then you should be recovering $100,000. The other claimants have nothing to do with your ability to recover that amount of money because there is plenty of coverage in the policy. It affords $100,000 per person in the accident but $300,000 of total coverage. If the adjuster is attempting to confuse you by saying that the total available amount of the policy is $100,000, he is simply trying to pull the wool over your eyes because you are unrepresented.
You should ask the adjuster to put your discussion about the other claimants and how they affect the policy in writing. I bet he refuses.or that there was some type of miscommunication. Either way just tell him to offer you $100,000 so that he can be rid of you and continue to fight out the other smaller claims with the attorneys. Good luck.
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These can be difficult situations. Sometimes it is worked out by the plantiffs agreeing to accept a full tender of the insurance money and then either mediating or arbitrating how to split it up if they can't work it out themselves..
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No one claimant can get more than 100k with a 100/300 policy. The total aggregate the carrier is liable for is 300k. You can always refuse to settle and seek a personal judgment against the offending driver. Only you and your counsel can make that call. Short of that or the availability of underinsurance, your option is to get the best settlement you can up to the 100k available to you.
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You can have your lawyer speak with the other plaintiff's lawyers. If not the case will go to court and the judge or jury will decide. Make sure to ask your lawyer to see if you have a claim for underinsurance.
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A 100/300 policy means that the most any one claimant can recover from that insurance policy is $100k and the most the insurance company ever has to pay out to all claimants in total is $300k. Thus, even if there are 20 claimants, the insurance company only has $300k in exposure, but no one person can recover more than $100k. If there is only 1 claimant, the insurance company only has $100k of exposure. Since there appears to be you and just 2 other claimants, there should be no issue with a division of the policy like there would be with a single limit policy. There is nothing to prevent you from resolving your claim if a reasonable offer is made. However, if you or the other two claimants can't agree on a settlement, you can commence a lawsuit against the owner and operator of the other vehicle if you have not already. If you don't have an attorney, you would be wise to get one, especially if the case has to go to trial. Good luck.
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