Holly Springs, GA Personal Injury Law Firms & Lawyers

I am not aware of any state that has limits as low as 15K. However, if 15K is all of the liability insurance available then you will need to look to your own insurance (it's known as UM coverage). In addition, if you have medpay benefits under your policy of insurance you can use that to satisfy the medical expenses as well. After all of the automobile insurance benefits are exhausted, you can certainly use your own health insurance to pay for any medical expenses. If you have any other questions, feel free to call me to discuss in more detail.

Call your insurance carrier to see if you have med pay. That will cover a portion of the medical expenses depending on the coverage you may have. If not, you can sue the other driver for whatever your damages are. Your recovery is not limited to their policy limits. But if you agree to settle and take their $15,000, you may be precluded from seeking more, depending on how it gets paid to you and what agreement the insurance company makes with you. You would be wise to hire an attorney for this. But you also have to evaluate the viability of recovering from the other driver. Do they own a house? Do they have a job? You need to see that they have assets to go after, otherwise your paper judgment is not worth anything over the $15,000 from the insurance company.

If I understand your question: once an injured party signs a release does that include any later claims that may develop from the original accident - or is the release forever? The answer is yes. Insurance companies want to close their claim files as soon as possible. That is why the often call injured parties within days, sometimes house of the collision / accident. They want to "nip it in the bud", before the true extent of the harm becomes know. As injury claims linger, people being to see more and more of the harms and losses they suffer. These get added to the claim and can increase the value, or money the insurance company may end up paying to settle the claim. California Law says that a release only applies to the known claims from an accident. However, ALL insurance companies make the injured party give up this right when they sign a release for claims to their body or what are called bodily injury claims. This is why you should always consult with an experienced consumer lawyer who helps people with injury matters.