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Question
Respected Justin I had an accident in October 2011 I was driving on Normal here in California on the Freeway.
Suddenly the Vehicle ahead of me slowdown by the time i hit the breaks i rear ended his Vehicle(Midsize Rental Truck)My car is complete total, CHP happened to be in the area move my vehicle on the side exchange Insurance on the report,we left after the investigation he shake hand and drove his Truck, Later He file injury claim,that Back pain, i found out from my insurance they paid only $560.00 to fix his truck but he claim backpain and still going to medical treatment, My policy has $15000.00 Coverage.
Is he really compensate for $15000.00? what is the statute of Limitation in this matter? Can he personally Sue Me?
Shall i get a Lawyer? Please be advice truly appreciate.
Thanks
Sam

Answer
Sam,


  So relax!  If you had insurance, you can let them take care of it.  Your insurance company is required to tell you if the other person is claiming that they have more damages than your policy can provide.  It is very rare for any minor accident to result in large injury settlements.  I'm sure this is going to be the case in your scenario.

  Bottom line, make sure you get the name, address, and telephone number of the adjuster that is handling the claim (at your insurance company), and then do nothing else except call the adjuster if you get any notice of any kind about the accident. Simple enough?

I hope this helps!

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Justin Petty

Expertise

Challenge me! I promise that I will provide you with the most honest answer I can muster, and I will base it on nearly 20 years of complex claims experience. My strength is shooting it straight and seeing through BS. I do not bluff and I can tell when somebody is. I've handled claims in almost every State in the U.S. and adjusted claims and consulted attorneys and CEO's on recovery and special claims tactics for over a decade. I am the founder and President of Petty Details, LLC. We provide the highest quality claim services to insurance companies, attorneys and individuals all exactly in the same way, by paying attention to the details and doing the right thing.

Experience

Nearly 20 years of combined claim company management, litigation, all lines adjusting, claim auditing, damage assessment, subrogation, small claims, tort recovery, collection, skip-tracing, tactical investigations, and contribution claim recovery experience across the United States of America.

Organizations
NASP (National Association of Subrogation Professionals) AllExperts.com (Auto Insurance Expert) Diminished Value Appraisers Group (LinkedIn)

Publications
10 years experience in writing and developing technical claims correspondence for litigation and unique scenarios at insurance companies and as a consultant to attorneys assisting with legal briefs and research. 42 published articles relating to auto insurance and claims. Self Published e-books entitled "How Much is My Injury Worth" and "Diminished Value - How Do I Get Paid?".

Education/Credentials
School of hard knocks, 3 years college, NO DEGREE, years of real world experience running a claims service company and adjusting claims for carriers. Speaks English and Spanish, Limited Portuguese & Italian.

Awards and Honors
Platinum Author (EzineArticles.com) All Lines Adjuster (TX, 1998 - 2008) TX Public Adjuster (2009 - 2011)

Past/Present Clients
State Farm Insurance, Endeavor GA, MileMeter Ins., American Recreational Markets, Gainsco Ins. Co., Safeway Ins., Home State County Mutual Insurance, Old American County Mutual Insurance, FCCI, Farm Bureau, Liberty Mutual, and Pronto General Agency, LTD just to name a few! On top of insurance companies and attorneys, I have personally helped thousands of accident victims with the difficult and stressful process of navigating their claim to a successful resolution.

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