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re: Daughter was in a wreck, insurance and compensation question
Posted on 5/9/26 at 3:38 pm to shoelessjoe
Posted on 5/9/26 at 3:38 pm to shoelessjoe
quote:
We now get a letter from progressive, our insurance, that the person involved is recommended for wrist surgery and that if the amount needed to cover the damages
That’s like $6,000 max. How could your insurance even question that you would not have enough coverage?
1
Posted on 5/9/26 at 3:39 pm to shoelessjoe
It’s a form letter intended to CYA for the insurance company in case they fight the settlement demands, go to trial and have a verdict in excess of your policy limits.
Unless you carry minimum limits, don’t worry about it. Also, if your daughter is over 18, you are good to go, she is responsible, not you and she likely has no assets of any significance.
Unless you carry minimum limits, don’t worry about it. Also, if your daughter is over 18, you are good to go, she is responsible, not you and she likely has no assets of any significance.
Posted on 5/9/26 at 3:41 pm to shoelessjoe
quote:
shoelessjoe
About to be homeless Joe
Posted on 5/9/26 at 3:42 pm to shoelessjoe
Boosiebadass finna feast
Posted on 5/9/26 at 3:43 pm to Rouge
quote:
ambulance
I’ve had plenty of cases where someone is discharged within hours at an ER and still manage to incur six figures of Plaintiff’s doctor meds. The best thing the ER can do is rule out acute injury like a broken bone.
Posted on 5/9/26 at 3:44 pm to forkedintheroad
quote:
forkedintheroad
Posted on 5/9/26 at 3:44 pm to shoelessjoe
The letter was probably to advise you that Progressive will only defend you up to the liability limits of your policy, so you may need to hire another attorney to defend for any excess exposure. It’s their duty to inform you of that. They may offer the liability limits to the other driver in exchange for releasing your daughter from further action. The adjuster should be able to tell you if that’s already been offered. Hopefully, the other driver has uninsured/underinsured motorist coverage and will use that coverage after your liability limits are exhausted.
Posted on 5/9/26 at 4:10 pm to TigerGman
quote:
He;s learning first hand that only idiots carry minimum or low limits to save a few bucks
Where exactly did he say he had minimum limits?
Posted on 5/9/26 at 4:12 pm to OysterPoBoy
quote:
That’s like $6,000 max. How could your insurance even question that you would not have enough coverage?
Ugh what? The surgery and Dr. bills alone lone are gonna cost that. Not to mention follow up Physical therapy.
And how do you know the person she hit doesn't need that hand to make living?
Posted on 5/9/26 at 4:14 pm to PensaTigers
Shut up. I’d love to see pics of OP’s daughter.
Posted on 5/9/26 at 4:17 pm to TigerGman
quote:
And how do you know the person she hit doesn't need that hand to make living?
Like a sex worker?
Posted on 5/9/26 at 4:19 pm to shoelessjoe
quote:
How screwed am I?
When the lawyers are done you’ll be changing your name to houselessjoe
Posted on 5/9/26 at 4:21 pm to OysterPoBoy
quote:
Like a sex worker?
Yeah a sex worker worth thousands of dollars in medicals alone.
Posted on 5/9/26 at 4:23 pm to shoelessjoe
quote:
My daughter is distraught about it and don’t know what to think.
Tell your daughter to put her phone down when she’s behind the wheel before she kills somebody
Posted on 5/9/26 at 4:25 pm to Cosmo
quote:
Also your premium on her is about to at least double.
My daughter was in an accident and insurance determined she was at fault…she was not ticketed. I was expecting our premium to drastically increase, but it did not. In fact, at the next renewal it went down. I was surprised, but will take something going my way anytime. There was only vehicle damage and no injury claims…that might be the difference.
We use progressive.
This post was edited on 5/9/26 at 4:26 pm
Posted on 5/9/26 at 4:44 pm to shoelessjoe
The number of idiots who respond to this with loud mouth confidence they know what they are talking about is pretty astounding.
We have a lot of people on this website who have no idea how stupid they are.
We have a lot of people on this website who have no idea how stupid they are.
Posted on 5/9/26 at 4:50 pm to shoelessjoe
How old was your daughter at time of accident? If she was 18, you are not likely liable for her negligence. Having her on your insurance policy means the other driver can make a claim against your insurance but not necessarily against you unless she was a minor at time of accident.
Posted on 5/9/26 at 4:58 pm to statman34
quote:
Your insurance will low ball, they will send threatening letter talking about if they give the maximum of policy then that will satisfy the claim or else they may go after you.....its all BS. They won't come after you and eventually, if they have legitimate medical proof your insurance will settle and you will be fine (other than the rise in premiums)
I was threatened with the same, and twice what I was insured for. I wanted to fight the claim, but Carrier ended up settling rather than court cost. It will settle, and you will pay more until the claim falls of of your record.
Posted on 5/9/26 at 5:09 pm to shoelessjoe
Was it a Nissan? He probably had this issue before your daughter ever hit him.
Posted on 5/9/26 at 6:08 pm to jorconalx
quote:
Where exactly did he say he had minimum limits?
He never responded. But the point of the post as an example tool to people out there only carry minimum or low limits and how they are a spilt distracted second away from financial ruin.
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