My question involves an injury that occurred in the state of: New Hampshire
I was involved in a car-motorcycle crash and I have been offered the policy limit for the owners of the car(the drivers parents) from what I can tell from online searches the driver lives with their parents and has had a bankruptcy in the past.
I feel the policy limit may not cover my future medical needs, what are my available avenues to get more compensation?
I have called a few places and they are saying I should take the settlement however the settlement states that I cannot make any further claim against the policy, those named in it or anyone else who is not named.
I have read about umbrella policies but how would I know if they have one or not?
I also in saw another thread as well as one of the people I called using something called an "affidavit of no other insurance or assets" before signing the settlement release, would this go to the parents, the driver or both? Also what costs would be associated with getting this affidavit?
I found this example in the above thread, would I need a lawyer to get this filled out:
Basically the affidavit says: From my insurance investigator:
Dear father of ____
I am enclosing an affidavit that the attorney for the other driver has requested as part of the settlement negotiations for the love referenced auto accident that your son was involved in. Kindly complete this form and return this form to me in the enclosed package and envelope.
The next paper says
"So & So Injury and Disability Lawyers"
AFFIDAVIT OF NO OTHER INSURANCE
I _______ being full age being duly sworn to law on my oath state the following.
1. Name date and birth
2. On ______ the owner of the ____ I was driving my car and was involved in a motor vehicle accident
3. At the time of the motor vehicle accident I was/was not acting in the course and scope of employment
4. At the time of the motor vehicle accident the vehicle involved was covered under the policy issued by ___ which provided the following coverage ____
5. Further, I am not covered by any other applicable insurance policy in the name of my spouse, employer or any resident relative that would provide insurance coverage for any claimant involved in my motor vehicle accident.
6. Further, I did not have an an umbrella insurance policy that would provide insurance coverage for the MVA
7. My net worth does not exceed ______
8. Regarding the ownership of motor vehicles including passenger cars, trucks or sun's and vans:
I was the owner of the motor vehicle on the date of the accident (yes) (no)
I leased a vehicle on this date (yes) (no)
Someone that lived with me was the owner of a motor vehicle (yes) (no)
9. The driver is neither a resident, owner, or listed on the policy and he is insured with _______
Policy # _______ Drivers legal name ________
By signing, all statements in affidavit and are documents are true etc etc
I am aware if false informaton is provided etc etc.
Signatures ______
From: https://www.expertlaw.com/forums/sho...d.php?t=189694
I have worked mostly in e-mail with the at-fault insurance adjustor so I have things in writing, they verbally told me the policy limit is what they are offering and that I cannot get anything more.
I have asked them for a copy of the declarations page
I asked the adjustor if they had a umbrella policy and got this response:
"I already explained that the policy limits is the only available coverage. Umbrella policies “normally” are not sold to anyone with a policy with limits less than $300,000.
There is no additional money above the policy limit that I have offered to you."
I was involved in a car-motorcycle crash and I have been offered the policy limit for the owners of the car(the drivers parents) from what I can tell from online searches the driver lives with their parents and has had a bankruptcy in the past.
I feel the policy limit may not cover my future medical needs, what are my available avenues to get more compensation?
I have called a few places and they are saying I should take the settlement however the settlement states that I cannot make any further claim against the policy, those named in it or anyone else who is not named.
I have read about umbrella policies but how would I know if they have one or not?
I also in saw another thread as well as one of the people I called using something called an "affidavit of no other insurance or assets" before signing the settlement release, would this go to the parents, the driver or both? Also what costs would be associated with getting this affidavit?
I found this example in the above thread, would I need a lawyer to get this filled out:
Quote:
Basically the affidavit says: From my insurance investigator:
Dear father of ____
I am enclosing an affidavit that the attorney for the other driver has requested as part of the settlement negotiations for the love referenced auto accident that your son was involved in. Kindly complete this form and return this form to me in the enclosed package and envelope.
The next paper says
"So & So Injury and Disability Lawyers"
AFFIDAVIT OF NO OTHER INSURANCE
I _______ being full age being duly sworn to law on my oath state the following.
1. Name date and birth
2. On ______ the owner of the ____ I was driving my car and was involved in a motor vehicle accident
3. At the time of the motor vehicle accident I was/was not acting in the course and scope of employment
4. At the time of the motor vehicle accident the vehicle involved was covered under the policy issued by ___ which provided the following coverage ____
5. Further, I am not covered by any other applicable insurance policy in the name of my spouse, employer or any resident relative that would provide insurance coverage for any claimant involved in my motor vehicle accident.
6. Further, I did not have an an umbrella insurance policy that would provide insurance coverage for the MVA
7. My net worth does not exceed ______
8. Regarding the ownership of motor vehicles including passenger cars, trucks or sun's and vans:
I was the owner of the motor vehicle on the date of the accident (yes) (no)
I leased a vehicle on this date (yes) (no)
Someone that lived with me was the owner of a motor vehicle (yes) (no)
9. The driver is neither a resident, owner, or listed on the policy and he is insured with _______
Policy # _______ Drivers legal name ________
By signing, all statements in affidavit and are documents are true etc etc
I am aware if false informaton is provided etc etc.
Signatures ______
I have worked mostly in e-mail with the at-fault insurance adjustor so I have things in writing, they verbally told me the policy limit is what they are offering and that I cannot get anything more.
I have asked them for a copy of the declarations page
I asked the adjustor if they had a umbrella policy and got this response:
"I already explained that the policy limits is the only available coverage. Umbrella policies “normally” are not sold to anyone with a policy with limits less than $300,000.
There is no additional money above the policy limit that I have offered to you."
Traffic Accidents: Motorcycle-Car Crash and Settlement for the Policy Limits
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