Expert: Bennie719 - 5/23/2008

Question
My daughter was killed in a car accident, she was a passenger that rolled 7 times.  The policy provided does not name the 21 yr old driver as a driver.  Her father owns a company and she was an employee with a gas card. How can I be sure all applicable insurance has been disclosed?

Answer
Hello Lesley,
I'm sorry to learn of your loss and send my deepest sympathies.

I am assuming that an insurance company has offered you policy limits to settle your claim and that the father was the owner of the car.

As the owner of the car, the father's liability does not cease with the policy limits, even if they were accurately disclosed.  All of his assets are at risk.

In my opinion, you should consult with an attorney with TRIAL EXPERIENCE.  Only his legal demands can force disclosure of all available insurance, plus he can demand an asset statement and hire a firm to determine that they are accurate.

If you need assistance in finding a qualified attorney, please call your county attorney referral service (it's free) and they will give you the names of 3-6 qualified attorneys in your area.

In most states, the first consultation is free.  In others, there is a minimal fee of approximately $20 for the first 30 minute consultation.
By having a consultation with an attorney, you are under no obligation to retain his services, but you will have a better idea as how to proceed with your action.

I hope this information has been of help.

Sincerely,
Bennie
San Francisco Bay Area