Can someone claim an additional Uninsured Motorist Bodily Injury Settlement against me when I’m already paying their medical bills?
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Jan 28, 2013
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Insurance Question from Cedar Pass, UT
Asked on 01/28/2013
Can someone claim an additional Uninsured Motorist Bodily Injury Settlement against me when I’m already paying their medical bills? I bumped into a car in front of me going, maybe, 5mph at a stop. The other car called the cops. The cops came but did not file an accident report because there was no damage. I was unaware at the time but my insurance coverage had lapsed for about a week during this time. The other driver came after me later saying that she had back injuries and had to have extensive chiropractic work done totaling $3,000. Then their insurance came after me for $2,915.00 for Uninsured Motorist Bodily Injury Settlement. Why the extra bodily injury settlement when I'm already paying their medical bills?
Answer given on January 30, 2013
If you caused an auto accident and had no car insurance, then you can be held responsible for the injuries and damages caused by the accident.The other driver’s insurance would probably pay for the damages to that car and bodily injury if the other driver had medical payments coverage and/or uninsured motorist coverage. After everything has been paid to the other driver then her insurance company will come to you to try to collect the money. You indicate that you may be paying the other driver directly. If so, you have hopefully kept records if what you have paid to them. You need to talk to their insurance company and show the amounts that you have paid directly to the other driver. It may be that the other driver is collecting double – from you and their insurance company. If so, they will have to work this out with their insurance company.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.