Can someone claim an additional Uninsured Motorist Bodily Injury Settlement against me when I’m already paying their medical bills?

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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: Jan 28, 2013

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Insurance Question from Cedar Pass, UT

Asked on 01/28/2013

Can someone claim an additional Uninsured Motorist Bodily Injury Settlement against me when I’m already paying their medical bills? I bumped into a car in front of me going, maybe, 5mph at a stop. The other car called the cops. The cops came but did not file an accident report because there was no damage. I was unaware at the time but my insurance coverage had lapsed for about a week during this time. The other driver came after me later saying that she had back injuries and had to have extensive chiropractic work done totaling $3,000. Then their insurance came after me for $2,915.00 for Uninsured Motorist Bodily Injury Settlement. Why the extra bodily injury settlement when I'm already paying their medical bills?

Answer given on January 30, 2013

If you caused an auto accident and had no car insurance, then you can be held responsible for the injuries and damages caused by the accident.The other driver’s insurance would probably pay for the damages to that car and bodily injury if the other driver had medical payments coverage and/or uninsured motorist coverage. After everything has been paid to the other driver then her insurance company will come to you to try to collect the money. You indicate that you may be paying the other driver directly. If so, you have hopefully kept records if what you have paid to them. You need to talk to their insurance company and show the amounts that you have paid directly to the other driver. It may be that the other driver is collecting double – from you and their insurance company. If so, they will have to work this out with their insurance company.

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