5 Factors That Will Affect Your Final Settlement Payout (Ep.48)

Personal injury damages don't always get paid in full. There are several factors which can decrease your final payout. Learn how these factors affect your settlement so you can address them when negotiating with the adjuster.

[mrs.anderson]

An alias, don't you know.
As I sit here with a brace on my neck, I believe this video advice is wrong. It only seems to deal with presettlement negotiations. Your claim will settle for some, all, or more than the amount of the insurance liability coverage.
You are justifiably owed for pain and suffering and medical expenses past and future and expenses of personal care to come and property damage and wages. The assets of the responsible party are on the table to cover for and make you whole. This video disregards the assets of the responsible party and I feel it is misleading. You sue that party and not their insurance carrier. Your judgement is against their person. Their purchase of insurance does not limit their responsibility.
Furthermore, my lawyer advises that I don;t talk to any insurance representative as they are adversarial. My own insurance company will cheat me and has squirmed out of the contracted coverage by which ever method they can. They become contestants. I hope this helps to empower you to stick your litigation through and don;t be pressured to settle early.

[healthyamerican]

i`m wondering what my settlement will be...uhaul truck pulled out in front of me..the guys insurance doesnt want to take responsibility, and the driver didnt report accident to uhaul. the other driver was cited. my car estimate is over $2300...i had to go to chiropractor for 8 weeks for whiplash and shoulder pain...chiro said i`m not getting worse but i`m not getting better. the lawyer has just received the paperwork from chiropractor. i`m wondering who is going to be responsible, uhaul or other drivers insurance, or driver himself?