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Question
I need to know what an insurance Co obligation to me when there insurer rear ended me. There car was totaled and mine being a trk with a heavy duty bumper has no physical damage, I was hurt and missed several days of work. Is there a max the insurance has to cover how do I find out my rights when dealing with this myself without and atty.? I am looking to have my med bills paid and a few missed days work.
Hi Melissa,
You are entitled to have your medical bills paid as well as your lost wages. In addition, you may be entitle to payment for pain & suffering. Considering there is no or lettle damage to your truck, you should expect the insurance company to try to low ball any offers for injurie. You should contact them now to get on record that you sought medical attention and lost work.
I hope this helps
Richard Hixenbaugh
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Answers by Expert:
Richard Hixenbaugh
Expertise
Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.
Experience
I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.
Organizations
Society of Certified Auto Appraisers
Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.
Past/Present Clients
My company has done work for consumers nationwide.
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