wow…hope that made sense,,,,,,
i know there is a lot that can be considered…so i try to boil it down…car wreck —no fault–had surgery–lost job of 14 years due to company policy, gone more than 3 months from job, job will be terminated—in future another surgery…lawyer said that the amount of claim is higher of what the claim adjuster could approve…so what do you think the “average limit” is…***does this make sense**
#1 by blessedtexasmom on December 6th, 2010
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No idea, but I wish you the best of luck. Sounds like a bad deal for you.
#2 by DrK on December 6th, 2010
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Hey Friend,
I think you need a new lawyer or you need to talk plainly to the one you have.. Ask him these questions..I’m not a lawyer, but , an insurance company insures a person for a certain amount.. ie.. my policy is a 1/3/1 policy 100,000 in liability 300,000 in bodily injury 100,000 in property damage. So as I understand it If I hit you and it’s my fault then you could get a maximum of 300,000 in bodily injury. My agent tells me that this is what I should have and that it is more than the state mandated minimum. So it sounds like your injuries and damages exceed whatever your or the other persons insurance will cover. If it we’re the other persons fault you could sue them for the amount over what their insurance will cover. In your circumstance there is no one to sue. So look at your policy and whatever your limits of coverage are is what you can get. NOW if the lawyer is on the pay of your insurance company you REALLY need a second opinion from someone not affiliated with your insurance company. Good luck.
Keith
#3 by Carlos M on December 6th, 2010
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It all depends on what the at fault parties limits are, if those limits are exhausted you cannot get anything else out of that policy, but you can still sue the at fault party,you may still be able to get underinsured motorists benefits from your own auto policy if you carried that coverage, then after that you can check if you have short term or long term disability benefits from your employer, and by the way that employer may be violating the law you need to apply for FMLA or Family Medical Leave of Absence, the employer cannot terminate you if you have filed for FMLA for at least one year from the time the condition that keeps you out of work is diagnosed. you may want to consult a different lawyer your current counselor does not impress me.Good luck and God Bless !!!
#4 by General Custer on December 6th, 2010
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Each company sets it’s limits, but the adjuster can alway go to his boss to get a higher amount approved.
#5 by Loollea on December 6th, 2010
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what the attorney said was that is over the adjusters authority and claim will have to go to higher authority( the head claims guy with the company)
#6 by mbrcatz17 on December 6th, 2010
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Well, usually if you’re looking at a high limit – say, over $25,000, it has to be reviewed by a claims supervisor. However, NO ONE is going to approve anything over the policy limit. Also, you could be looking at a secondary policy, such as an umbrella policy, then you have multiple adjusters that have to approve it, and possibly multiple companies.