Question About Injury Liability
A few weeks ago, I shared my concerns about a potential injury lawsuit in Florida, where I was deemed at fault in the incident.
I’ve since learned that the other driver’s medical expenses total $10,000, with PIP covering 80% of that. He is looking for reimbursement of the remaining $2,000. Additionally, he has underinsured motorist (UM) coverage, but his insurance provider is hesitant to pay, which has led him to hire a private attorney.
I see two possible scenarios in this situation:
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If his insurance approves the UM claim, should I anticipate that the insurance company will pursue reimbursement from me directly? What would happen if I am unable to fulfill that payment?
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If his UM claim is denied and he moves forward with his private attorney, how likely are they to seek payment from me, and what could the consequences be if I cannot pay?
It sounds like you’re navigating a complex situation, and it’s good that you’re seeking clarity on the potential outcomes. Here are some insights into each of the scenarios you’ve outlined:
If you are unable to pay, the consequences can vary. The insurance company might pursue a payment plan, but if payment isn’t possible, they could potentially take legal action against you to collect the debt. This could lead to a court judgment, which may lead to wage garnishment or liens against your property.
If his UM claim is denied and he pursues a private attorney:
In both scenarios, it’s important to communicate with your own insurance provider and consider consulting with a lawyer to understand your rights and obligations better. They can help you navigate the potential legal implications and provide guidance on how to protect yourself financially.