Injury Liability Inquiry
A few weeks ago, I posted about a potential injury lawsuit in Florida where I was deemed at fault. Since then, I’ve learned that the other driver’s medical expenses have totaled $10,000, with Personal Injury Protection (PIP) covering 80%. He is now seeking reimbursement for the remaining $2,000. Additionally, he has underinsured motorist coverage, but his insurer seems reluctant to pay, prompting him to hire a private attorney.
I see two potential scenarios here:
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If his insurance company approves the underinsured motorist claim: Should I anticipate that the insurance provider will seek reimbursement from me directly? What are the implications if I am unable to pay this amount?
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If his underinsured motorist claim is denied and he moves forward with his attorney: How likely is it that they will pursue payment from me, and what consequences could I face if I cannot fulfill this obligation?
It sounds like you’re navigating a complex situation, so let’s break down the potential outcomes you’re considering.
If you’re unable to pay, it could lead to a few scenarios, including a possible judgment against you. This could result in wage garnishment or a lien on your property, depending on the legal journey.
If his UM claim is denied and he pursues through a private attorney:
In both scenarios, it’s important to communicate with your own insurance provider and possibly consult with a lawyer to understand your rights and options fully. They can help you navigate the potential legal ramifications and negotiate with the other party’s attorneys if necessary.