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Auto Insurance Claims/liability question

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Expert: Bennie719 - 10/20/2007


Question
My son was in a car accident as a passenger. The driver has liability. The drivers insurance company called me today to discuss the accident. At the end of the call, he mentioned a settlement of pain and suffering. My son was taken to the ER, but had no serious injuries. How do they determine the amount of the settlement? We really just wanted our medical bills paid that our insurance did not pay. We live in the state of tn.

Answer
Hi Renea,
Your son is entitled for payment of his 'pain and suffering'.
That amount is usually 3 times his total medical bills.
If that total is less than $500, simply request a settlement of $1,500.
Your feedback by rating this answer would be greatly appreciated.
Sincerely,
Bennie
San Francisco Bay Area 10-20-07 4:46 PM PST

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Bennie719

Expertise

I have extensive knowledge in Personal Auto, Homeowners Insurance and Personal Umbrella coverage. I am also thoroughly familiar with claims handeling procedures. Will answer questions related to the above.

Experience

Experience in the area: Served as an expert at askme.com from 7/2000 thru 10/2002 in the catagories of general insurance, auto and home insurance. Answered 422 questions before that site closed. Licensed in California since 1961, first in Life and Health for 2 + years and as a Property/Casualty Agent/Broker since 1964. I sold my business and took early retirement in 1998. Still maintain a valid California Property/Casualty Agent/Broker license. I have been a volunteer at allexperts.com since 2002. I can provide assistance in the following fields: Property and Casualty Insurance, Insurance Law, Auto Insurance Claims.

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