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Started By
Message
Do I need a lawyer?
Posted on 12/23/24 at 5:55 pm
Posted on 12/23/24 at 5:55 pm
In a car accident. Other driver 100% at fault - ran red light, video, witnesses - he was cited.
My car is totaled. Taken to emergency room, but nothing other than bruises and cuts.
His car liability insurance caps at $25k - bodily injury at $30k. Car portion doesn’t cover the cost of my vehicle (purchased < 6 mos ago). Offer from his insurance is $25k for car and $4k bodily injury.
If I get an attorney, would it help, or am I maxed out by his limits and the fact that I wasn’t permanently disabled?
My car is totaled. Taken to emergency room, but nothing other than bruises and cuts.
His car liability insurance caps at $25k - bodily injury at $30k. Car portion doesn’t cover the cost of my vehicle (purchased < 6 mos ago). Offer from his insurance is $25k for car and $4k bodily injury.
If I get an attorney, would it help, or am I maxed out by his limits and the fact that I wasn’t permanently disabled?
51
Posted on 12/23/24 at 5:56 pm to Pvt Hudson
You need a lawyer
Posted on 12/23/24 at 5:57 pm to Pvt Hudson
This should be fun.
And good luck to you. This sucks that you have to deal with this right before Christmas.
Be sure and push hard for full compensation for your car plus some since it's so new.
And good luck to you. This sucks that you have to deal with this right before Christmas.
Be sure and push hard for full compensation for your car plus some since it's so new.
Posted on 12/23/24 at 5:59 pm to Pvt Hudson
Lawyer up and stop talking on here immediately.
Posted on 12/23/24 at 5:59 pm to Pvt Hudson
gap Insurance?
Check your loan papers.
Too stupid to carry it?
Even a lawyer can't help you now ......
Check your loan papers.
Too stupid to carry it?
Even a lawyer can't help you now ......
Posted on 12/23/24 at 6:00 pm to Pvt Hudson
ETA make sure to include you are so traumatized that you have not been able to perform sexually with your wife or husband. Should be worth an extra 100k.
This post was edited on 12/23/24 at 6:02 pm
Posted on 12/23/24 at 6:00 pm to Pvt Hudson
Luckily you had nothing else wrong. Could have been a lot worse
Posted on 12/23/24 at 6:00 pm to Pvt Hudson
You don’t need Gordon that arse hat but you need a PI attorney.
Posted on 12/23/24 at 6:00 pm to Pvt Hudson
quote:
His car liability insurance caps at $25k - bodily injury at $30k. Car portion doesn’t cover the cost of my vehicle (purchased < 6 mos ago). Offer from his insurance is $25k for car and $4k bodily injury.
Go through your own insurance for the car. They will pay you for the TL and subrogate for cost of the vehicle less the salvage value once it’s sells at auction. If the other carrier only pays them $25k then that’s not your problem (you already got paid). Your carrier can then decide to go after the at fault party personally for the additional money owed (normally they don’t as long as they carry state minimum), but again that’s not your problem.
Edit: You look like you may be in Texas so you should also call your carrier and talk to them about PIP for your injuries. You go through your PIP for injuries. You can still settle with the at fault carrier for general damages.
This post was edited on 12/23/24 at 6:24 pm
Posted on 12/23/24 at 6:01 pm to Pvt Hudson
Posted on 12/23/24 at 6:03 pm to Pvt Hudson
A lawyer for a max of $55k settlement? 
Posted on 12/23/24 at 6:03 pm to Pvt Hudson
If you don't have gap ins. You need to get a hurt back and neck asap to get that side of the money.
That is why liability insurance is useless.
Your ins would have paid to fix your auto if it was your fault.
That is why liability insurance is useless.
Your ins would have paid to fix your auto if it was your fault.
Posted on 12/23/24 at 6:05 pm to jscrims
quote:
Lawyer up and stop talking on here immediately.
100%.
Also: Don't let them push you to sign any medical release waivers (or anything). They will push hard. Get a legit medical diagnosis. Especially if you had any back trauma or soreness. I'm not talking about a shady chiropractor or whatever. Go see your primary care doc and let them refer you to someone if they deem necessary if you don't know where to go for diagnosis.
ETA: It might take a week or 2 for soft tissue injuries to be diagnosable. I had a situation like that. Ended up in PT for almost a year. 20 years later and my back is still finicky.
Good luck, baw.
This post was edited on 12/23/24 at 6:07 pm
Posted on 12/23/24 at 6:06 pm to Pvt Hudson
In Pain?
Call Blaine
Call Blaine
Posted on 12/23/24 at 6:09 pm to BigBinBR
quote:
Go through your own insurance for the car. They will pay you for the TL and subrogate for cost of the vehicle less the salvage value once it’s sells at auction. If the other carrier only pays them $25k then that’s not your problem (you already got paid). Your carrier can then decide to go after the at fault party personally for the additional money owed (normally they don’t as long as they carrier state minimum), but again that’s not your problem.
This is exactly what I did a couple of years ago. I got t-boned driving down a 5 lane highway and rolled my truck by a guy who must have been blind when he was at his stop sign. Had just bought the truck 5 days prior to the wreck. The guy that hit me only had $25k of coverage, so my uninsured motorist kicked in. Sucked that I had to go through the hassle of buying another truck, but it all worked out.
When you get your offer from your insurance company, make sure you find your own comp vehicles to compare to replacement value.
Posted on 12/23/24 at 6:12 pm to Pvt Hudson
Posted on 12/23/24 at 6:14 pm to Pvt Hudson
We had to file under our insurance then they went after the other insurer.
Get a lawyer - they know how to work the system on medical issues. We ended up with all medicals paid and money in our pocket even after the attorneys took their cut.
Get a lawyer - they know how to work the system on medical issues. We ended up with all medicals paid and money in our pocket even after the attorneys took their cut.
Posted on 12/23/24 at 6:14 pm to Pvt Hudson
Not a lawyer
Get a lawyer
Get a lawyer
Posted on 12/23/24 at 6:15 pm to Pvt Hudson
If you aren’t legitimately injured and want to increase your settlement, definitely hire a lawyer. They can recommend going to a crooked chiropractor to help maximize your return and pay for a new car. You can probably expect another $10k from the amount you listed, but I don’t know how much the lawyer will skim off the top.
Posted on 12/23/24 at 6:17 pm to Pvt Hudson
If you go pro se, always refer to the judge as The Honorable Judge. They like that.
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