I suffered a broken wrist in a car accident while in Vegas (Aug 2011) and continue to experience tendon issues. Bills have totaled out to $22k, but I may need surgery. I demanded $50k due to bills, pain and suffering and lost wages. The liable insured only had $15k limit in CA. I was paid the $15k and recently spoke with an attny to handle the underinsured claim with my personal insurance. The attny tells me that there would be a $15k setoff, meaning that my maximum recovery would be $10k. Why wouldn't my add'nl uninsured motorist coverage of $25k be considered in addition to the $15k already received? Can someone explain this? Is there an Ohio attny interested in helping me finalize this claim at 25% contingency? Thanks!
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