shellyjones
New Member
A few months back I was involved in a small fender bender, in which I was at fault. Damage to the other persons car was $1500.00 which my insurance company paid for.
Yesterday I got served with a summons to appear in small claims court. Apparently the other driver was somewhat injured and sought medical/chiropractic care to the amount of $1800.00. The other driver hired an attorney to recoup the costs plus pain and suffering but my insurance company refused to pay it. So, now I am being hauled into small claims court.
I have a call into my insurance company but need to know some things..:
Am I being sued or is my insurane company being sued? In other words, if I lose then who pays the plaintiff--me or the insurance company?
Why would my insurance company pay for the damage to the other car but not pay for the injury claims? Especially since they don't really seem excessive and I WAS at fault for the accident?
What can I expect in court? Will a representative from my insurance company show up or am I on my own? The plaintiff is asking for $7500--what are the chances of them winning this? Is there any chance at all that the judge may rule in MY favor?
Thank you for any help. I have never dealt with anything like this and am worried that I will have to pay these people out of my pocket if I lose? Isn't this what insurance is for?
Yesterday I got served with a summons to appear in small claims court. Apparently the other driver was somewhat injured and sought medical/chiropractic care to the amount of $1800.00. The other driver hired an attorney to recoup the costs plus pain and suffering but my insurance company refused to pay it. So, now I am being hauled into small claims court.
I have a call into my insurance company but need to know some things..:
Am I being sued or is my insurane company being sued? In other words, if I lose then who pays the plaintiff--me or the insurance company?
Why would my insurance company pay for the damage to the other car but not pay for the injury claims? Especially since they don't really seem excessive and I WAS at fault for the accident?
What can I expect in court? Will a representative from my insurance company show up or am I on my own? The plaintiff is asking for $7500--what are the chances of them winning this? Is there any chance at all that the judge may rule in MY favor?
Thank you for any help. I have never dealt with anything like this and am worried that I will have to pay these people out of my pocket if I lose? Isn't this what insurance is for?