Debt from a insurance

[Zigner]

In your OP you stated that he was being sued for damage to the pickup. How would damage to a pickup truck exceed his limits?

 

[LdiJ]

In your OP you stated that he was being sued for damage to the pickup. How would damage to a pickup truck exceed his limits?

Her wording is a little odd but I am guessing that the insurance company wouldn't pay out as much for the damage as the person wanted, hence the lawsuit.

 

[Zigner]

Her wording is a little odd but I am guessing that the insurance company wouldn't pay out as much for the damage as the person wanted, hence the lawsuit.

I agree - but that doesn't affect my question.

 

[LdiJ]

I agree - but that doesn't affect my question.

Then you might want to expand on your question, because that is what I understood you were looking for, so the OP might get confused.

 

[Zigner]

Then you might want to expand on your question, because that is what I understood you were looking for, so the OP might get confused.

Let me ask it again:

In your OP you stated that he was being sued for damage to the pickup. How would damage to a pickup truck exceed his limits?

I agree that the insurance company refused to pay the other party. I believe that the OP may have misspoken, so I am simply asking for clarification of the actual statement that the OP made.

 

[Marina373737]

What if the judgment is for more than the policy limits?

He was insured for a million because he was a commercial truck driver.

 

[Marina373737]

In your OP you stated that he was being sued for damage to the pickup. How would damage to a pickup truck exceed his limits?

Progressive was asking 19,000 for the damages done to the pick up by my dad with a commercial insurance. Our commercial insurance offered 50% of the asking price and they denied the offer and so that is why they are going after my dad personally.

 

[Zigner]

He was insured for a million because he was a commercial truck driver.

I thought so.
Now, can you explain exactly what the lawsuit is for? Is it for bodily INJURY?

Never mind - answered below.

 

[Zigner]

Progressive was asking 19,000 for the damages done to the pick up by my dad with a commercial insurance. Our commercial insurance offered 50% of the asking price and they denied the offer and so that is why they are going after my dad personally.

What reason did the insurance company give for denying the claim?

 

[Marina373737]

Her wording is a little odd but I am guessing that the insurance company wouldn't pay out as much for the damage as the person wanted, hence the lawsuit.

Right on!!! That’s what is going on. Because our insurance refused to pay the requested amount they turned to us the “insured”. So what can I do in this situation?

 

[Marina373737]

What reason did the insurance company give for denying the claim?

They gave me no reason. They said progressive refused to settle a price with them and refused their communication.

 

[Zigner]

Right on!!! That’s what is going on. Because our insurance refused to pay the requested amount they turned to us the “insured”. So what can I do in this situation?

You state that your dad was diagnosed with dementia, but has he been declared legally incompetent?

Really, you need to push the insurance company on this. They should have provided for his defense, and they should pay the judgment. There has to be a reason why they haven't done anything, so you need to find out what that reason is. I suggest that you stop faxing documents and start mailing documents via US mail with tracking.

 

[Marina373737]

You state that your dad was diagnosed with dementia, but has he been declared legally incompetent?

Really, you need to push the insurance company on this. They should have provided for his defense, and they should pay the judgment. There has to be a reason why they haven't done anything, so you need to find out what that reason is. I suggest that you stop faxing documents and start mailing documents via US mail with tracking.

If that requires to go through a judge then no. I haven’t done that for him yet. I do have power of attorney over him for now.

 

[Zigner]

If that requires to go through a judge then no. I haven’t done that for him yet. I do have power of attorney over him for now.

Push the insurance company - that's all you can really do at this point.

 

[Marina373737]

Push the insurance company - that's all you can really do at this point.

Thank you!