Auto Insurance Claims/hit and run

Advertisement

Expert: - 10/4/2008


Question
I was injured in a hit and run a little over 3 years ago.  I ended up with 5 herniated disc.  My insurance company took car of fixing my car.  I'm still in the process of doing an uninsured/under insured claim.  As of todays date i still have no mobility in my neck. I live in Pa. I have limited tort.  The adjuster told me that within the next 30 days they will make an offer.  My question is can i make them pay for all of my future medical bills that is related to the wreck?

Answer
The short answer is that yes, future medical bills should be considered as part of your claim. But I'm not familiar with PA law so I don't know what limitations apply to your claim.

2 things to consider:

(1)  check the statute of limitations to make sure you do not let it expire.   Your claim is worthless ocne it expires unless you have filed a lawsuit in advance.  Most states do not go beyond 3 years.

(2)  your claim sounds serious and you may need legal advice to handle it properly.  You may want to confer witha personal injury attorney to make asure you have considered everything - most will allow a free consultation.

Auto Insurance Claims

All Answers

Answers by Expert:

Ask Experts

Volunteer

Claims Guy

Expertise

I am currently an Auto Claims Manager for a large insurance company. I have 18 years experience in the industry, having worked as a Claims Adjuster, Injury Settlement Negotiator, Claims Manager, SIU/Fraud Investigator, and Compliance Officer......I can answer questions related to any aspect of Automobile insurance claims and coverages. I can provide an inside look at how insurers operate. I always treat my customers fairly and want to help make sure you are treated fairly. However, please keep in mind that being treated fairly according to the law does not guarantee that you will get what you want. I can also answer some questions regarding Homeowner's and other types of insurance claims. I have handled all types of auto insurance claims and coverages. I am NOT an automotive repair expert but can give advice re how insurers handle complex repair issues. Please keep in mind that every state has its own set of laws pertaining to rules of the road, liability, and insurance. No one is an expert on every state. I am most familiar with laws in Maryland, DC, West Virginia, and Virginia, but will attempt to answer questions for other states. I am not an attorney an cannot provide legal advice. My advice will be my opinion based on my experience.

Experience

I am currently an Auto Claims Manager for a large insurance company. I have 18 years experience in the industry, having worked as a Claims Adjuster, Injury Settlement Negotiator, Claims Manager, SIU/Fraud Investigator, and Compliance Officer. I am not an attorney an cannot provide legal advice. My advice will be my opinion based on my experience.

Organizations
CPCU Society. Adjusters license in multiple states. International Association of Specal Investigators

Education/Credentials
I have a B.S. in Finance and have completed the AIC and CPCU designations.

©2012 About.com, a part of The New York Times Company. All rights reserved.