Auto Accident Lawsuit Concerns

Summary

Being sued for an auto accident can be stressful, especially if damages might exceed insurance limits. Your insurance-appointed attorney will defend you up to your policy limits. If damages exceed those limits, personal assets could be at risk. Consulting with a personal attorney can help explore protective measures. Bankruptcy might be an option after a judgment is made. Injury claims exceeding $300,000 are possible, depending on the case specifics. Consider medical evaluations and reports for injury assessments.

Full Conversation

I was just served today. My claims adjuster told me that they would appoint an attorney to defend me, but I am concerned that if her award is more than my policy limits where that leaves me? I have no home that I own. I don’t have any investments or assets. I live paycheck to paycheck. I am a nurse and make decent money but I am concerned about facing damages that go over and above my insurance limits.
Hey Lisa! It's understandable to be concerned about potential damages exceeding your insurance limits. Here are some key points to consider:
- Your insurance-appointed attorney will defend you up to your policy limits.
- If the award exceeds those limits, personal assets might be at risk unless protected, like through bankruptcy.
- Consult with a personal attorney to explore protective measures.
Would you like assistance connecting with local attorneys who can better assist with this situation?
If her damage award exceeds my insurance policy limits, would I be able to file bankruptcy naming her before her trial is ended or would I have to wait until that trial is over?
Hey Lisa! You generally can't discharge potential claims in bankruptcy before a trial concludes. You might need to wait until the trial ends and a judgment is made. Consider consulting with a bankruptcy attorney for more detailed guidance tailored to your situation. Would you like help connecting with local attorneys?
Is it very often that bodily injury claims exceed policy limits?
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Hey Lisa! While it's not uncommon for bodily injury claims to exceed policy limits, it depends on the specifics of the case, including the severity of injuries and damages claimed. Since you're already in a lawsuit, it's wise to consult with your insurance-appointed attorney and possibly a personal attorney for further guidance.
Can you tell me if a person was walking around at the scene of the accident, including even running, is it likely her injuries are as debilitating as she reports?
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Hey Lisa! If the person was able to walk or run immediately after the accident, it might suggest her injuries weren't initially debilitating. However, some injuries can become more apparent over time, so it's important to consider medical evaluations and reports. Consulting with your insurance-appointed attorney can give you better insights into the claims.
Can you tell me with other case comparisons, do injury damages often exceed $*,*?
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Hey Lisa! Injury damages exceeding $*,* can happen, especially in cases with severe injuries, extensive medical treatments, or significant loss of income. It varies greatly depending on the specifics of each case, so consulting with your insurance-appointed attorney will be crucial for understanding your situation better.