Riesel, TX Personal Injury Law Firms & Lawyers

Dangerous premises cases are very fact specific. You should contact an attorney in your area. Weather, danger signs, activities of the store to keep entryways safe, are all factors to review.

If you had underinsured  coverage on your policy you may be able to recover for the other damages. All the other company is required to pay is the limit of the coverage. They should offer to pay the whole amount of coverage or they may be liable for the other damages. If you had no coverage yourself then you need to see if it is worth suing the other driver but it is only worth it if they are wealthy. You should meet with an attorney to discuss your situation. If you are in the Dallas area you are welcome to call me for advice.

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.