Friona, TX Personal Injury Law Firms & Lawyers

She should not have to pay twice for the same damages. She should let the insurance carrier's lawyer know that she's already been sued and that she's been paying their insured, and send him or her a copy of the judgment in the case where she was already sued.

This question is dependent upon how the person was injured on the horse, and in whose "care custody and control" the horse was in. If the transaction was a true sale, even if you are taking credit the sale is a credit sale and the "owner" is the one who is responsible for the actions of the horse. In Louisiana there is no "strict liability" for personal injury cases involving horses.

In Michigan your husband is covered for No Fault Benefits, which includes life time medical care, under his own policy so it is irrelevant whether the other vehicle/driver are/aren't insured. So your husband does have lifetime medical benefits for conditions that are caused by the crash. You/your attorney will want to see if there was any umbrella/excess coverage available to the other parties in addition to the primary liability limit. The likely problem with your uninsured claim against your own carrier is that it won't apply if indeed there is insurance on the other vehicle/driver. If you also have underinsured coverage, it would apply, but usually offsets the policy limit you collect ($100k per your question) against the coverage you purchased, so there may not be a full, or any, benefit due from your insurer for the uninsured/underinsured coverage, but you'll need to read your policy to see what the terms of coverage are.