Car accident-need advice pls

[Anonymous]

Anonymous wrote:No idea but I’d hire a lawyer pronto.

Health care costs are absurd, yes. 250K is nothing these days.

I do have a random question though: so if the person had health insurance would you just be responsible for paying the additional non covered medical costs (the deductible and copays etc) or the entire bill and health insurance pays zero?

Your liability insurance has to pay the medical costs. Or you do, if the medical costs exceed the limit of your liability insurance.

[Anonymous]

OP-- you need to have your insurance company research to be sure that these costs are legit. Yes, it's possible that the guy was really hurt and missed work, etc....but the fact that he wasn't carrying car insurance is a big red flag.

Many years ago, I rear ended someone and it wasn't hard-- he tried to sue us for a massive sum of money. Our insurance company was on it and discovered that the man had done this many times before and even provoked accidents. I don't know if this is a "thing" and it does sound like a a real accident, but don't imagine that there aren't people out there who see a payday.

Right now I'm dealing with an identity theft situation and it's appalling and brazen what people will try to scam and take from you.

[Anonymous]

You have all ridiculously gotten off the point of the OP‘s question.

OP, the letter you received from your insurance company is cursory and is merely a formality when it comes to personal injury.

Your insurance comes with a lawyer, actually a building full of lawyers who will work on your and their behalf to reach an equitable settlement with the other party that you have injured. Let your insurance company handle it, you don’t need to hire a lawyer, basically everything these posters have written to you is utter nonsense.

When you reach your insurance company they will likely tell you exactly what I have.

[Anonymous]

I can see it being over $250k.

My parents are in a lawsuit right now with a driver who t-boned my dad. The other driver didn't run the stop sign but just "didn't see" my dad's SUV when she shot out of her neighborhood.

And yes, if their new injury happened because of a preexisting condition, you are liable. My dad had an old shoulder and neck injury that the accident made much worse. He required lots of scans to narrow down what was wrong and lots of therapy. The other car's insurance tried to quickly settle for $10k, which was the cost of his initial ambulance ride and ER visit.

They are now trying to settle out of court and it is over $250k.

[Anonymous]

Anonymous wrote:You have all ridiculously gotten off the point of the OP‘s question.

OP, the letter you received from your insurance company is cursory and is merely a formality when it comes to personal injury.

Your insurance comes with a lawyer, actually a building full of lawyers who will work on your and their behalf to reach an equitable settlement with the other party that you have injured. Let your insurance company handle it, you don’t need to hire a lawyer, basically everything these posters have written to you is utter nonsense.

When you reach your insurance company they will likely tell you exactly what I have.

Right, and the letter is also a heads-up that OP should get their ducks in a row. If the judgement goes in favor of the other party, OP will be on the hook for the remaining expenses. That means the other party can get a judgement to garnish their wages and put liens on their assets until it is paid off.

OP's insurance's lawyers are only going to work for OP up to that $250k threshold. They have no incentive to work for OP to reduce the amount down to one that OP can afford. They do not work for OP. They work for the insurance company. OP will need their own lawyer to fight for them.

[Anonymous]

Anonymous wrote:No idea but I’d hire a lawyer pronto.

Health care costs are absurd, yes. 250K is nothing these days.

I do have a random question though: so if the person had health insurance would you just be responsible for paying the additional non covered medical costs (the deductible and copays etc) or the entire bill and health insurance pays zero?

No. The victim of the accident's insurance might cover the bills initially but they absolutely will go after OP's liability auto coverage for reimbursement.

[Anonymous]

Yelling?

[Anonymous]

Sounds more like negligence than an accident to me.

[Anonymous]

Anonymous wrote:

Anonymous wrote:No idea but I’d hire a lawyer pronto.

Health care costs are absurd, yes. 250K is nothing these days.

I do have a random question though: so if the person had health insurance would you just be responsible for paying the additional non covered medical costs (the deductible and copays etc) or the entire bill and health insurance pays zero?

No. The victim of the accident's insurance might cover the bills initially but they absolutely will go after OP's liability auto coverage for reimbursement.

The victim doesn't have insurance.

[Anonymous]

Anonymous wrote:

Anonymous wrote:I ran a (non 4 way) stop sign in Arlington last summer (July) and my Accord was T boned by a Ford coming from to the right side of the intersection. The driver was alert, yelling & no visible injuries. His front passenger was a woman who stepped out & walked to us. But the driver did not step out and walk. Medics got him a neck brace and took him in an ambulance. I assumed it was a whiplash. I was told he was taken to maybe Georgetown which is a bigger trauma center. He did not have motor insurance.

I got a note from my insurance company today saying that the damages maybe more than my limits of property-100K & bodily injury - 250K

I am very surprised that his medical costs would be more than 250k? I am not trying to be insensitive but trying to understand how the collision could cost so much medical expenses. My family of 4 (including my 2 kids whose passenger side door of my 2004 Accord which was directly hit) were not hurt, and the other driver was on a way more powerful & newer 2015 Ford (whose front had collision damage) but was far away from any direct impact in the driver’s seat. Maybe he had pre-existing medical conditions, that was worsened by the whiplash/impact, would I need to cover that? Or is he asking for pain/suffering and/or lost wages or some other claim? (I still have to call insurance they are in PST)

Would appreciate any advice?

OP - I just want to make sure I'm clear on this. You ran the stop sign?

If indeed this is the case, you better suck it up and lawyer up - and pray you have umbrella insurance. What were you doing that you ran the stop? Also, the other driver not having insurance has no bearing on this argument. His insurance - if he had it - would not even pay out a dime as you are 100% at fault. His more powerful and newer vehicle has no bearing on this argument, because you ran the stop and it is 100% your fault.

Exactly. Also, the way you hit is car----you were direct, he was hit from the side can cause more damage to a person. Also--pay the f*ck attention. Why are you running stops signs? There are so many a-holes that come through our neighborhood full of children doing this.

[Anonymous]

Anonymous wrote:I can see it being over $250k.

My parents are in a lawsuit right now with a driver who t-boned my dad. The other driver didn't run the stop sign but just "didn't see" my dad's SUV when she shot out of her neighborhood.

And yes, if their new injury happened because of a preexisting condition, you are liable. My dad had an old shoulder and neck injury that the accident made much worse. He required lots of scans to narrow down what was wrong and lots of therapy. The other car's insurance tried to quickly settle for $10k, which was the cost of his initial ambulance ride and ER visit.

They are now trying to settle out of court and it is over $250k.

+1

I can't believe the faux outrage by somebody that was at fault. It does not sound like a 'lesson learned' situation.

[Anonymous]

OP here, thanks. Trying to call insurance still.

I was T boned by him, I did not see him when I was at the intersection, and he did not have a stop sign so yes it is my fault. He should have been able to clearly see me since I was straight ahead in his path ie already at intersection, or maybe we both entered intersection at the same time, I dont know... but either ways I am very thankful he braked when he did and I hope he did brake when he saw my car.

He works for a towing company, it was actually a company tow truck, and I am glad he was not towing anything in his Ford pickup at that time. Maybe that is why he was self insured motorist? Is it ok for a tow truck to not have auto insurance?

Either ways I agree my insurance has to pay in this case, so not arguing that point. I was under the impression that the 100K property and 250K injury had already covered the accident costs since it was over 6 months ago.

The cryptic letter says 'unfortunately it appears damages might exceed coverages but we dont have the full damages cost yet'. Very confusing.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I ran a (non 4 way) stop sign in Arlington last summer (July) and my Accord was T boned by a Ford coming from to the right side of the intersection. The driver was alert, yelling & no visible injuries. His front passenger was a woman who stepped out & walked to us. But the driver did not step out and walk. Medics got him a neck brace and took him in an ambulance. I assumed it was a whiplash. I was told he was taken to maybe Georgetown which is a bigger trauma center. He did not have motor insurance.

I got a note from my insurance company today saying that the damages maybe more than my limits of property-100K & bodily injury - 250K

I am very surprised that his medical costs would be more than 250k? I am not trying to be insensitive but trying to understand how the collision could cost so much medical expenses. My family of 4 (including my 2 kids whose passenger side door of my 2004 Accord which was directly hit) were not hurt, and the other driver was on a way more powerful & newer 2015 Ford (whose front had collision damage) but was far away from any direct impact in the driver’s seat. Maybe he had pre-existing medical conditions, that was worsened by the whiplash/impact, would I need to cover that? Or is he asking for pain/suffering and/or lost wages or some other claim? (I still have to call insurance they are in PST)

Would appreciate any advice?

OP - I just want to make sure I'm clear on this. You ran the stop sign?

If indeed this is the case, you better suck it up and lawyer up - and pray you have umbrella insurance. What were you doing that you ran the stop? Also, the other driver not having insurance has no bearing on this argument. His insurance - if he had it - would not even pay out a dime as you are 100% at fault. His more powerful and newer vehicle has no bearing on this argument, because you ran the stop and it is 100% your fault.

Exactly. Also, the way you hit is car----you were direct, he was hit from the side can cause more damage to a person. Also--pay the f*ck attention. Why are you running stops signs? There are so many a-holes that come through our neighborhood full of children doing this.

OP here, not that it matters in terms of liability, but I mentioned in the OP and my above post, my car was T boned. I was in his direct line of sight. He was not in mine. My car was hit directly on the passenger side doors. His damage was to his front bumper.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I ran a (non 4 way) stop sign in Arlington last summer (July) and my Accord was T boned by a Ford coming from to the right side of the intersection. The driver was alert, yelling & no visible injuries. His front passenger was a woman who stepped out & walked to us. But the driver did not step out and walk. Medics got him a neck brace and took him in an ambulance. I assumed it was a whiplash. I was told he was taken to maybe Georgetown which is a bigger trauma center. He did not have motor insurance.

I got a note from my insurance company today saying that the damages maybe more than my limits of property-100K & bodily injury - 250K

I am very surprised that his medical costs would be more than 250k? I am not trying to be insensitive but trying to understand how the collision could cost so much medical expenses. My family of 4 (including my 2 kids whose passenger side door of my 2004 Accord which was directly hit) were not hurt, and the other driver was on a way more powerful & newer 2015 Ford (whose front had collision damage) but was far away from any direct impact in the driver’s seat. Maybe he had pre-existing medical conditions, that was worsened by the whiplash/impact, would I need to cover that? Or is he asking for pain/suffering and/or lost wages or some other claim? (I still have to call insurance they are in PST)

Would appreciate any advice?

OP - I just want to make sure I'm clear on this. You ran the stop sign?

If indeed this is the case, you better suck it up and lawyer up - and pray you have umbrella insurance. What were you doing that you ran the stop? Also, the other driver not having insurance has no bearing on this argument. His insurance - if he had it - would not even pay out a dime as you are 100% at fault. His more powerful and newer vehicle has no bearing on this argument, because you ran the stop and it is 100% your fault.

Exactly. Also, the way you hit is car----you were direct, he was hit from the side can cause more damage to a person. Also--pay the f*ck attention. Why are you running stops signs? There are so many a-holes that come through our neighborhood full of children doing this.

OP here, not that it matters in terms of liability, but I mentioned in the OP and my above post, my car was T boned. I was in his direct line of sight. He was not in mine. My car was hit directly on the passenger side doors. His damage was to his front bumper.

NP. So what?? Most people don’t expect a vehicle to be directly in front of them when they’re cruising down the road. Especially one that wasn’t there a few seconds ago. If you didn’t see him when you went barreling through an intersection then he certainly has an excuse to not have seen you, especially since he had the right to cruise through there without stopping at the time.

And you also need to learn a few things about physics. A truck can’t just stop at the drop of a hat. They also don’t have many safety features since most people aren’t dumb enough to get in the way of one. Almost unbelievable that you’re trying to blame this on him.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I ran a (non 4 way) stop sign in Arlington last summer (July) and my Accord was T boned by a Ford coming from to the right side of the intersection. The driver was alert, yelling & no visible injuries. His front passenger was a woman who stepped out & walked to us. But the driver did not step out and walk. Medics got him a neck brace and took him in an ambulance. I assumed it was a whiplash. I was told he was taken to maybe Georgetown which is a bigger trauma center. He did not have motor insurance.

I got a note from my insurance company today saying that the damages maybe more than my limits of property-100K & bodily injury - 250K

I am very surprised that his medical costs would be more than 250k? I am not trying to be insensitive but trying to understand how the collision could cost so much medical expenses. My family of 4 (including my 2 kids whose passenger side door of my 2004 Accord which was directly hit) were not hurt, and the other driver was on a way more powerful & newer 2015 Ford (whose front had collision damage) but was far away from any direct impact in the driver’s seat. Maybe he had pre-existing medical conditions, that was worsened by the whiplash/impact, would I need to cover that? Or is he asking for pain/suffering and/or lost wages or some other claim? (I still have to call insurance they are in PST)

Would appreciate any advice?

OP - I just want to make sure I'm clear on this. You ran the stop sign?

If indeed this is the case, you better suck it up and lawyer up - and pray you have umbrella insurance. What were you doing that you ran the stop? Also, the other driver not having insurance has no bearing on this argument. His insurance - if he had it - would not even pay out a dime as you are 100% at fault. His more powerful and newer vehicle has no bearing on this argument, because you ran the stop and it is 100% your fault.

Exactly. Also, the way you hit is car----you were direct, he was hit from the side can cause more damage to a person. Also--pay the f*ck attention. Why are you running stops signs? There are so many a-holes that come through our neighborhood full of children doing this.

OP here, not that it matters in terms of liability, but I mentioned in the OP and my above post, my car was T boned. I was in his direct line of sight. He was not in mine. My car was hit directly on the passenger side doors. His damage was to his front bumper.

That's why it's a good idea to stop at stop signs.