Minor car accident causing back injury?

by admin on May 29, 2010

I got involved in a minor car accident on the way working in January. The car in front of me made a sudden stop after making a right turn. I hit its rear. Police came over and wrote a report. There was no damage on either car. My insurance company took pictures for evidence. Since that driver worked for a contractor of our company and we saw each other everyday. He said he was fine then we all went to work. Later that day his boss told me he went to hospital to check his back. Later than that he went to physical therapy. I told my insurance company and got his working vehicle information. He didn’t have my insurance information though. Last month I received letter from his lawyer (he didn’t spell my name right), and compensation organization and my insurance company. The compensation organization said they were continuing paying for the cost. My insurance company said the guy’s lawyer claimed the amount above my coverage. I saw him several times at work after the accident but I haven’t seen him for a while. His job is pretty physical. Now I am wondering if my life will get screwed by the minor accident. What should I do?
My salary is pretty low. It has been four months. If my insurance can’t cover the loss, I am not able to pay it off.

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{ 1 comment }

Susan K May 29, 2010 at 11:47 pm

Your insurance carrier is required to keep your best interest at hand. Have they put you on notice by telling you they have tendered your limit. Also, you cannot get blood from a stone. If you have no assets there is not much to touch. Most injured parties will seek additional coverage from their OWN policy under the underinsured motorist coverage. It’s only been 4 months, even though your policy may have minimal limits they are still required to investigate the loss and provide you with a defense. If he works a labor intensive job, he may have pre-existing conditions that may or may not have been aggravated by this minor MVA. Its your carriers responsibility to investigate this.. Just remain calm and make sure your carrier lives up to their promise to you! That’s why you paid the premium.
PS This stuff happens every day in claims!

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