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underinsured motorist vs pedestrian

Discussion in 'Auto Accidents, Injuries' started by bill d, Aug 26, 2016.

  1. bill d

    bill d Law Topic Starter Guest

    Jurisdiction:
    D.C.
    policy coverage is 100k per person .... a minor was hit and ran out into street unattended ..injuries and ambulance and fractures ... what should be expected if claims exceed coverage ..?
     
  2. Betty3

    Betty3 Super Moderator

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  3. adjusterjack

    adjusterjack Super Moderator

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    You've gotten way too far ahead of yourself.

    Yes, there is a possibility of a lawsuit.
    Yes, there is a possibility of a judgment in excess of your limits that you would have to pay the difference or file bankruptcy (unless the accident was alcohol related and then you'd be stuck with the debt).

    Statistically, however, depending on the seriousness of the injuries your insurance company is likely to settle within policy limits.

    On the other hand, based only on your statement, you might not be liable and the insurance company will defend you and pay nothing.
     
  4. Highwayman

    Highwayman Well-Known Member

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    That is very little information.

    Are you the driver or the parent?
     
    adjusterjack likes this.

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