Hull, TX Personal Injury Law Firms & Lawyers

It is likely that the insurance company will back off once they know their insured already sued for the same damages. When the other driver's insurance company paid for the repairs, their insured, under the tems of the policy, gave up his right to sue for anything other than his deductible. If he is collecting from your niece, he should be required to reimburse his insurer.

Slip and fall cases are very fact specific. Some plaintiffs recover on wet floor claims and others do not. You should speak with a reputable attorney about the exact details. Most attorneys will gladly provide a free initial consultation with no obligation.

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.