Valley Spring, TX Personal Injury Law Firms & Lawyers

You mention Arizona in your question, but your question was submitted as a question about Alabama law. The law can differ significantly from state to state. If your accident occurred in Arizona, I suggest that you re-submit your question and indicate Arizona rather than Alabama. That way, you will get responses from attorneys who practice law in Arizona rather than Alabama. With that said, whether or not you have to re-pay your automobile insurance carrier for medical expenses paid on your behalf will likely depend on the language of your insurance policy. Look for the term "subrogation" in your insurance policy especially in the section about Medical Payments coverage. A few insurance companies do not subrogate (require re-payment) for medical payments made under the MedPay portion of an automobile policy but most insurance companies do. You should discuss the matter directly with your insurance company. If you are insured by a reputable company, they will tell you the truth whether or not they have paid yet. You many need to speak with someone in the subrogation department (instead of a claim adjustor). If you are not comfortable speaking with your insurance company about your subrogation questions, you should consult with an experienced attorney who handles insurance matters. You likely only have a right to MedPay (medical expenses) from your own insurance carrier. However, you can recover all compensatory damages (such as medical expenses, lost wages and pain and suffering) from the liable individual (or his/her insurance carrier).

If you are renting then you may have a claim for breach of the warranty of habitability. Depending upon the wording of your lease you may also have a claim for breach of the lease agreement.

Insurance pays only up to whatever limits are present. After that they have no liability. You can sue the driver for assets beyond the insurance, but it is unlikely she has anything beyond what she could protect if she filed bankruptcy. Maybe her parents would be liable but unlikely. Sounds like all that would be there is her father's insurance limits. There is no mechanism I know of to pay your husband's medical for life, except for health insurance. You need to sue the driver to get to her parents' insurance.