Hi all,
Got in my first accident about 6 weeks ago now and not sure how settlement goes and what I should be asking about so any help is appreciated! Was in an accident with an uninsured motorist in CA, luckily I have UM on my policy (50k limit). I was rushed to the ER after the accident and the total bill was about 20k for a CT scan (my health insurance covered about 8k of this since it was out of network). Luckily it was just a concussion and some soft tissue damage, both of which are mostly back to normal now. They’re checking with one more insurer at the moment to ensure the other driver didn’t have any coverage elsewhere. I’m expecting a call something this week or early next week to talk about settlement. Will my insurer cover the full 18k with settlement since my health insurance can subrogate it? As well, how does the settlement process go? I’ve heard never accept their initial offer, but just not sure what the process looks like. Thanks for any help in advance!
Posted by TSRoad34