Legal Question in Personal Injury in California

My insurance carrier (auto) just contacted me to see if I wanted to release by coverage amount on a car involved in an accident almost two years ago to an attorney representing a victim in that auto accident that was my son's fault. I don't believe the victim had insurance. It seems like his attorney wants to know the limits of my coverage so he knows how much to go after. Up to this point there has been no claims for medical or any damages. Should I decline releasing the limits on my insurance policy? Thank you.


Asked on 1/18/11, 4:43 pm

1 Answer from Attorneys
George Shers Law Offices of Georges H. Shers

You are correct as to what the injured party's attorney wants [the injured person is not a victim -- that is in a criminal case] but you lneed to have your insurance carrier find out if the plainitff has any insurance coverage [if did not at time of the accident, then can not collect for any pain and suffering] and what his medical bills, wage loss, and car damage is. If the non-property damage is less than $3,000, the attorney will know if they have any experience that the case will be worth much less than $10,000. A demand above the policy limits will not scare the claims adjuster into paying more than the case is worth. If the damages are $13,000 and ther may be a need for future medical treatment, the adfjuster might very well offer a $15,000 cover limit. If you have $100,000 in coverage then the issue oif your coverage limits will not effect anyone's reasoning. Without knowing those figures, I can not further advice you. Ask the adjuster their opinion and if they are wishy-washy speak to a supervisor.

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Answered on 1/23/11, 5:23 pm


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