Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Nov 25, 2013

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Insurance Question from Jonesboro, GA

Asked on 11/25/2013

A girl was driving a friends car and hit me -went airborne- and came down on top of me. I was in Critical care and then the regular hospital. My medical bills were $150,000. My car was totaled, I missed my daughter's wedding, lost my job and continue to suffer and am still in therapy. This accident occurred on 9/12/13. I am being told that the insurance on the car (the man's insurance that she borrowed the car from) is $25,000 maximum and that is all I can recover. Does this sound right to you?

Answer given on November 25, 2013

When there is an auto accident with injuries and damages, the policy limits of the responsible driver are the most the insurance company for the driver can and will pay out. It is unfortunate when the injuries and damages exceed the policy limits, but that is as far as the insurance company can legally go.You should check your insurance policy. If you carry medical payments coverage then those limits can be used to supplement what the other insurance company paid. Also, if you have uninsured/underinsured motorist coverage, then this too will pay towards your injuries. If you had collision coverage on your car you may be able to collect some money for the car.As a last resort you can take the other driver to court for the remaining money that you spent for your medical bills. They may not have any money to collect, but if you get a judgment against them then that can remain open indefinitely and you could collect if they come into some money or you can make them make payments over time.


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