SettlementCentral.Com Newsletter

PLEASE FORWARD THIS ISSUE the Online Resource for Personal Injury Claims

Issue 22

In this issue

Policy Limits Settlements in Personal Injury Insurance Claims

• Special preview of our new policy limits section
• Four initial topics to consider if you have suffered a serious bodily injury that might exceed insurance policy limits
• Should you accept the full insurance policy limits for a complete settlement of your personal injury?

Settle-It-Yourself Newsletter

Hello!! Welcome to the May edition of Settlement Central’s Newsletter. We are pleased to share this newsletter with you, as our business is helping people get satisfactory settlements for their personal injury claims.

This month we are giving you a special sneak preview of Policy Limits Settlements in Personal Injury Insurance Claims, a new module that will soon be added to our site’s members only side.

As always, we will post our articles on our website as they are sent out in the Settle-It-Yourself Newsletter. Our readers will have a rich resource available to them, our hands-on battles with the insurance companies translate into useful and accurate information for our readers.


Policy Limits Claims

Who should be concerned about the special rules and timing restrictions on policy limits settlements? Everyone who has a claim with substantial value that could possibly reach or exceed the maximum amount of coverage available by the insurance policy of the person responsible for the accident. Insurance policy limits claims is a topic that MUST be mastered if one has sustained disabling and serious personal injuries in a car accident, disfiguring bites in a vicious dog or animal attack, or serious injury in a traumatic slip and fall or premises liability accident.

If you have a claim involving any of these serious bodily injuries, there is a possibility you may find yourself in a policy limits insurance claim. While one might be tempted to release the negligent party and accept the payment of his insurance limits, that could be foolish because signing an insurance adjuster's release form, and accepting the insurance award payout can have far ranging consequences.

Here are the four initial topics to consider if you have suffered a serious, debilitating, permanent personal injury that might be in excess of liability insurance policy limits:

1. The initial issue is to find out what the insurance liability policy limit is for the person responsible for the accident.

2. A second issue is when the insurance adjuster has offered you the full liability insurance policy limits for a complete settlement of your personal injury, and you wonder what to do about her offer: should you accept it, or do you have to notify anybody first?

3. Third is the issue of cutting back on (or defeating altogether) the subrogation claim your health insurer, HMO, or auto insurance carrier will surely want to make against your insurance settlement award. If you have received Personal Injury Protection (PIP) payments for medical care or wage loss, then your auto insurer will certainly try to make a claim for reimbursement from the amount you are awarded by the negligent party's insurance company. Your own insurance adjuster for PIP has already been in touch with the tortfeasor's insurance adjuster to file a claim and update it each time she makes another PIP medical cost or wage loss payment.

4. Fourth is where you have your own UIM automobile insurance coverage and you intend to make a bodily injury claim and do not want to lose your rights with your own insurance company.

Please click here, for more of our preview on handling policy limits claims.

Thank you for your interest in our site; we hope you will find us to be an excellent source for your own personal injury needs!!

Jeanine Steele
Publisher, Settle-It-Yourself Newsletter

SettlementCentral.Com has a wealth of information and special tips for members who wish to arm themselves with the best advice for dealing with insurance companies. Our Negotiation section is filled with fresh and effective ideas on how to approach a company to ensure a successful settlement of your case.
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SettlementCentral.Com, Inc. is a Washington corporation providing general educational information, online, to personal injury victims throughout the United States on how to manage their own personal injury claims through the settlement process—from gathering the necessary information (evidence) to submitting claims and demand letters, through engaging in successful personal injury settlement negotiations with insurance companies. Our online instructions and self-help forms and letters are designed to make for easy insurance claims settlements in the areas of auto accidents, pedestrian accidents, dog bites, vicious animal bites, premises liability, and slip and fall accidents.

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