Insurance Limits. My daughter was a passenger in a fatal car accident. The driver has 25,000 coverage.
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
|
Written by
Jeffrey Johnson
|
UPDATED: Aug 2, 2016
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Insurance Question from Mechanicsville, VA
Asked on 08/02/2016
Insurance Limits. My daughter was a passenger in a fatal car accident. The driver has 25,000 coverage. My auto declaration page shows bodily injury at 100,000 each person auto liability and also the same limit under uninsured motorist insurance. The insurance company says payment will be 100,000. Shouldn't it be 125,000? My daughter was listed as an additional driver on my policy. Also, will payment be made to the estate? I am the policy owner.
Answer given on August 14, 2016
If your daughter was killed in a car accident and the other driver does not have enough insurance, you can file a claim with your insurance company under the uninsured/underinsured motorist coverage. If you have filed for this with your insurance company, they will only pay the amount shown on your insurance policy for the limit of coverage. It appears that is $100,000.The driver’s insurance company would pay the $25000 if they have accepted liability for the accident. That would have to come from them, not your insurance company. If you have not filed a claim with them, do so and let that insurance company work on the settlement.The payment will be made in the name of your daughter, since she was the person who suffered the injury/death. Check with both companies to see how they will handle this since she died in the accident. It does not matter that you are the policyholder in this case.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.