Question for the BG legal team, involving drunk driving accident.

[Melchiah]

Could you expand upon that Zig? What do you mean by state minimum? Or about paying out the max insured?


Correct me if i'm wrong but doesnt the guy's insurance have to pay w/e a jury would decide would be acceptable if this goes into open court?

No, that is not the case. The dollar amount your liability insurance covers is spelled out in the policy and it determines the premiums. The insurance company is only liable for whatever the maximum amount of liability coverage you have. I think you are required by Federal law now to carry at least $100,000 worth of liability car insurance. Thus, in this case the insurance company would only have to pay out $100,000 total of medical and property damages. The rest of the burden lies upon the insured party, who has been determined at fault.

This is the reason for the "Deepest Pockets Rule".

[Meresgi]

No, that is not the case. The dollar amount your liability insurance covers is spelled out in the policy and it determines the premiums. The insurance company is only liable for whatever the maximum amount of liability coverage you have. I think you are required by Federal law now to carry at least $100,000 worth of liability car insurance. Thus, in this case the insurance company would only have to pay out $100,000 total of medical and property damages. The rest of the burden lies upon the insured party, who has been determined at fault.

This is the reason for the "Deepest Pockets Rule".

Ahh I did not know that. Thanks. So yeah, her bills were only 12k so that's a long stretch for me to believe in her lawyer. Apparently her father found the lawyer for them, and it's a wife of someone he knows. I think she probably snagged a law degree from Phoenix Online >.>

[jmc]

I hate drunk drivers, I also hate people who hunt for money on simple accidents.

Since your not hunting for money, but more so fucking over a drunk driver this is what you should do.


Like others have said, get a lawyer......... a good lawyer, not a ambulance chaser.

Obtain (if you havent already) a copy of the report and any court documentation if he was already fully convicted of DUI.

Get the money deserved from the insurance company, save some of it for next step.


............. obtain the same lawyer, or another lawyer just as good or better.

Sue the drunk driver in open court. No insurance companies involved....... just flat out sue the driver.

[wagon]

Well treating broken ribs and a punctured lung costs a shit ton more than a sprained knee, maybe thats were all the money went? I dunno, she probably should sue the drunk driver for psychological damage or someshit.

It's called "pain and suffering", she can sue for damage if she likes, damages awarded may vary.

[archibaldcrane]

Sue the drunk driver in open court. No insurance companies involved....... just flat out sue the driver.

Works great if he's not a redneck with a now-totaled $2000 pickup to his name - OP, what's the financial status as best you know of the drunk that hit her?

[Meresgi]

Works great if he's not a redneck with a now-totaled $2000 pickup to his name - OP, what's the financial status as best you know of the drunk that hit her?

I don't think he's like a CEO or super well off, but as far as I know he's middle class/lower middle class. I'm not too sure about that though.