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We're being sued!
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<blockquote data-quote="hearts and roses" data-source="post: 99889" data-attributes="member: 2211"><p>This happened to me years ago when I lived in NY. At the scene of the accident, a really really old woman side swiped me on a main road and I wound up tapping into another car. That 'nice man' and I tracked the woman down and she stopped, the police were called, reports were made, her insurance paid for all property damages. </p><p></p><p>I thought it was over, eventually moved to CT and after another year, just before the statute of limitations was up for filing any further claims, I received notice that the 'nice man' who helped stop the old lady was suing me for physical damages. He listed everything from numb earlobes to erectile dysfunction! The old lady was dead and so he was going after me, as I was technically the one who hit his car, though I did not cause the accident. I panicked much like you are now. I was crying, freaking out...who to call, blah blah blah.</p><p></p><p>Well, I contacted my old insurance carrier, State Farm at that time, and they handled everything. The guy was suing me for over $3 Million dollars. He never ever got one cent. It took about a year to settle the matter and he walked away with nothing and I didn't have to do a thing. And what Beth said is true - if he is awarded $120,000 and you only carry $100,000 on personal injury, the underinsured portion of your coverage will cover the difference. </p><p></p><p>I am now an insurance adjuster and I see this stuff all the time. If you were insured at the time, and according to the laws of NJ (most states have the same) concerning under or uninsured claims, you will be fine. </p><p></p><p>Enjoy Thanksgiving.</p></blockquote><p></p>
[QUOTE="hearts and roses, post: 99889, member: 2211"] This happened to me years ago when I lived in NY. At the scene of the accident, a really really old woman side swiped me on a main road and I wound up tapping into another car. That 'nice man' and I tracked the woman down and she stopped, the police were called, reports were made, her insurance paid for all property damages. I thought it was over, eventually moved to CT and after another year, just before the statute of limitations was up for filing any further claims, I received notice that the 'nice man' who helped stop the old lady was suing me for physical damages. He listed everything from numb earlobes to erectile dysfunction! The old lady was dead and so he was going after me, as I was technically the one who hit his car, though I did not cause the accident. I panicked much like you are now. I was crying, freaking out...who to call, blah blah blah. Well, I contacted my old insurance carrier, State Farm at that time, and they handled everything. The guy was suing me for over $3 Million dollars. He never ever got one cent. It took about a year to settle the matter and he walked away with nothing and I didn't have to do a thing. And what Beth said is true - if he is awarded $120,000 and you only carry $100,000 on personal injury, the underinsured portion of your coverage will cover the difference. I am now an insurance adjuster and I see this stuff all the time. If you were insured at the time, and according to the laws of NJ (most states have the same) concerning under or uninsured claims, you will be fine. Enjoy Thanksgiving. [/QUOTE]
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