Follow up - Injury claim in car accident!

[Blueshirts]

IL

A while back I posted a message about a plain clothed officer arriving at my old address trying to serve me. I called the sheriff's office to find out what was going on.

I was informed that I was being sued due to an accident that had a happened almost 2 years a go.

So after I gave them my new address, about 3 months later I received one of those Post Office notes saying they attempted to deliver a "letter" but required a signature AKA Serving papers.

Another 3 months go by and I was contacted by my Insurance company lawyer assigned to my case and was told that I was served on a technicality of the law. Since I had not updated my license with my new address, they served me (without me seeing / signing anything).

Was told by lawyer that the claim states a "not to exceed $15,000".

She said that typically these things take 2 years to complete. She also stated that it will end up with a meeting / arbitration with three independent lawyers acting as judges and 90% of the time they side with the plaintiff.

My concern is that I feel that it is not right and I am being taken advantage of. My insurance rates have already went up by $40/ month.

If they win this will they go up even more?

I informed the lawyer to proceed rather than fighting how they served me as I just want this to be done with.

I apologize for the long post but this is the first time something like this has happened and I am concerned.

I've been in WAY worse accidents than this > 2 mph at a stop light, rolled into back of the car, no damage, accident and have not been sued.What is the name of your state (only U.S. law)?

 

[Zigner]

IL

A while back I posted a message about a plain clothed officer arriving at my old address trying to serve me. I called the sheriff's office to find out what was going on.

I was informed that I was being sued due to an accident that had a happened almost 2 years a go.

So after I gave them my new address, about 3 months later I received one of those Post Office notes saying they attempted to deliver a "letter" but required a signature AKA Serving papers.

Another 3 months go by and I was contacted by my Insurance company lawyer assigned to my case and was told that I was served on a technicality of the law. Since I had not updated my license with my new address, they served me (without me seeing / signing anything).

Was told by lawyer that the claim states a "not to exceed $15,000".

She said that typically these things take 2 years to complete. She also stated that it will end up with a meeting / arbitration with three independent lawyers acting as judges and 90% of the time they side with the plaintiff.

My concern is that I feel that it is not right and I am being taken advantage of. My insurance rates have already went up by $40/ month.

If they win this will they go up even more?

I informed the lawyer to proceed rather than fighting how they served me as I just want this to be done with.

I apologize for the long post but this is the first time something like this has happened and I am concerned.

I've been in WAY worse accidents than this > 2 mph at a stop light, rolled into back of the car, no damage, accident and have not been sued.What is the name of your state (only U.S. law)?

The ONLY question you asked was: If they win this will they go up even more?

What did the insurance company say when you asked them this question?

 

[Blueshirts]

You are right in that I only asked if my insurance premium will go up!

I put some details in my post to help with background info regarding my post.

I did not ask my insurance company directly if my premium would go up as I only spoke with my lawyer at this time.

Basically, in others experience with injury claims being awarded, does the premium go up significantly????

 

[Zigner]

I'm sorry - perhaps you didn't understand my rhetorical question. I'll post it again for you:


What did the insurance company say when you asked them this question?

 

[Blueshirts]

I'm sorry - perhaps you didn't understand my rhetorical question. I'll post it again for you:


What did the insurance company say when you asked them this question?

Ok thanks for the rhetorical question!!

Should I ask my insurance company.... "In others experience from this message board, did their insurance premiums go up based on a minimal injury claim being awarded?"

If you don't have any experience and have an opinion other than trying to be sarcastic in that I should ask my insurance company the obvious question which I will get 10 different answers from 5 reps, please ignore my post.

 

[Zigner]

Ok thanks for the rhetorical question!!

Should I ask my insurance company.... "In others experience from this message board, did their insurance premiums go up based on a minimal injury claim being awarded?"

If you don't have any experience and have an opinion other than trying to be sarcastic in that I should ask my insurance company the obvious question which I will get 10 different answers from 5 reps, please ignore my post.

I suggest that you ask your insurance company (who is very familiar with their own policies).

 

[ecmst12]

Premiums are increased because you were at fault in an accident. They are increased for a number of years from the time your insurance company learns of the accident and begins charging you - even if that is months/years after the accident actually took place.