How mcuh should my daughter capture for her personal injury claim?
A little over a year ago, I backed into my 23 month old daughter near the our car. A few months later our coupé insurance called and offered to settle her claim for $850. We were suprised that my daughter would grasp anything since I was the one that hit her. Our insurance explained that it was purely like her getting hit by someone else, or me hitting another child. We wanted to put together sure all her medical bills were self taken care of and our car insurance said yes they would. But we found out they didn't know everything she have been through and what her injuries were. Now our saloon insurance has all the bills and the medical reports from the hospitals that she go to. Tomorrow they are suppose to call and offer a investigational settlement. My wife called around to both hospitals and both ambulance companies that we used and all the bills be about $10,000. Were not greedy, but we want to make sure my daughter get all the money she should. That's what the insurance is for after all.
Answers:
It doesn't matter if she is your daughter or not, one 23 years of age she is an adult, therefore your insurance must cover her damages. The amount she is entitled to is determined by the insurance and the claim they generate. If you believe that the claim isn't the amount your daughter deserves, then you go to court. Being in the region of 10,000 total (gosh dad, thanks you did 10,000 with a mischief to me and my car!), the insurance will undoubtedly see these amounts also, and claim them. Especially at 10,000, they get a huge interest.
Amazing. You start out stating that you didn't construe you were going to get anything because it be your fault and you end by getting greedy and wanting to know how much you're going to get hold of and you want to make sure you get as much as possible. Don't read aloud you're not greedy. You ARE greedy. You realize if you don't like the settlement offer, you're going to hold to sue yourself since you were at fault?
By the agency, since your daughter is an infant, any money SHE receives over and above medical bills, will have to turn into a trust fund for her until she reaches age 18.
As for what kind of settlement you should expect, I don't know. I guess I'd individually be happy if they covered all the medical bills and I'd be grateful that I didn't waste my kid.
Additional Info - It WILL go through a court for approval. All the states that I know of mandates that injury settlements for minor children be approved by the court and the childs funds be protected. Source(s): http://www.settlementcentral.com/page801…
Which coverage piece are they paying out under? It will be limited, obviously, by your policy limits - which you also didn't mention.
Part of the back of my brain say, she can't be paid under the BI fragment, but it will be uninsured motorist - as from HER point of view, she can't collect from the bi being a household applicant, but she can as a pedestrian, under the UM. But I can't defend that, LOL, it's a short time ago this twigging thought at the back of my brain.
So, how much is your UM limit? If it's $10,000 or such, they'll probably grant the limit. I don't see them offering much MORE than the total of medical bills, but you could probably talk them into settling for $15K.
Anyway. I WOULD put a phone call in to your agent, and ask how it works in your state. It's going to be state specific, which coverage you collect lower than, and it just seems a bit foreign to me. Source(s): agent, 21+ years
Have to know what injury is to give an impression of settlement.
10k in meds could mean 5 months surrounded by physiacl therapy or 1 ER visit near xrays, catscan, and observation.
Big difference.
u should win the maximum money
when i have a car accident i sued because i be injured and it was permanent wound, my neck now have all bulging disks. if u want the money to cover all her expenses try to attain a lawyer. insurance companies will give the lowest possible amount of money as possible. its obvious you arent greedy but you dont want to get stuck near the medical bills either. tell them they necessitate to pay her medical bills and give you money for misery and suffering or you will retain a attorney. good luck with it.
Include adjectives her medical bills in addition to the time any one or both of you parents lost from your livelihood. It is a good idea to include the money you parents lost by not going to work and taking effort of your injured kid.
You almost crushed your kid, so you have to realize, also that although the insurance company is paying for your daughter's claim, your premium is going to rise sky high because of this calamity. You might want to invest in rear terminate motion detectors for your vehicle so you can avoid running into a child, person or a pet.
I agree with FayeH. You start out saying your not greedy and after you go get adjectives greedy.
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Answers:
It doesn't matter if she is your daughter or not, one 23 years of age she is an adult, therefore your insurance must cover her damages. The amount she is entitled to is determined by the insurance and the claim they generate. If you believe that the claim isn't the amount your daughter deserves, then you go to court. Being in the region of 10,000 total (gosh dad, thanks you did 10,000 with a mischief to me and my car!), the insurance will undoubtedly see these amounts also, and claim them. Especially at 10,000, they get a huge interest.
Amazing. You start out stating that you didn't construe you were going to get anything because it be your fault and you end by getting greedy and wanting to know how much you're going to get hold of and you want to make sure you get as much as possible. Don't read aloud you're not greedy. You ARE greedy. You realize if you don't like the settlement offer, you're going to hold to sue yourself since you were at fault?
By the agency, since your daughter is an infant, any money SHE receives over and above medical bills, will have to turn into a trust fund for her until she reaches age 18.
As for what kind of settlement you should expect, I don't know. I guess I'd individually be happy if they covered all the medical bills and I'd be grateful that I didn't waste my kid.
Additional Info - It WILL go through a court for approval. All the states that I know of mandates that injury settlements for minor children be approved by the court and the childs funds be protected. Source(s): http://www.settlementcentral.com/page801…
Which coverage piece are they paying out under? It will be limited, obviously, by your policy limits - which you also didn't mention.
Part of the back of my brain say, she can't be paid under the BI fragment, but it will be uninsured motorist - as from HER point of view, she can't collect from the bi being a household applicant, but she can as a pedestrian, under the UM. But I can't defend that, LOL, it's a short time ago this twigging thought at the back of my brain.
So, how much is your UM limit? If it's $10,000 or such, they'll probably grant the limit. I don't see them offering much MORE than the total of medical bills, but you could probably talk them into settling for $15K.
Anyway. I WOULD put a phone call in to your agent, and ask how it works in your state. It's going to be state specific, which coverage you collect lower than, and it just seems a bit foreign to me. Source(s): agent, 21+ years
Have to know what injury is to give an impression of settlement.
10k in meds could mean 5 months surrounded by physiacl therapy or 1 ER visit near xrays, catscan, and observation.
Big difference.
u should win the maximum money
when i have a car accident i sued because i be injured and it was permanent wound, my neck now have all bulging disks. if u want the money to cover all her expenses try to attain a lawyer. insurance companies will give the lowest possible amount of money as possible. its obvious you arent greedy but you dont want to get stuck near the medical bills either. tell them they necessitate to pay her medical bills and give you money for misery and suffering or you will retain a attorney. good luck with it.
Include adjectives her medical bills in addition to the time any one or both of you parents lost from your livelihood. It is a good idea to include the money you parents lost by not going to work and taking effort of your injured kid.
You almost crushed your kid, so you have to realize, also that although the insurance company is paying for your daughter's claim, your premium is going to rise sky high because of this calamity. You might want to invest in rear terminate motion detectors for your vehicle so you can avoid running into a child, person or a pet.
I agree with FayeH. You start out saying your not greedy and after you go get adjectives greedy.
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