Don't worry. $100K is enough in this case

來源: streetwalker 於 2008-10-09 19:28:15 [] [舊帖] [給我悄悄話] 閱讀數 : (1373 bytes)
回答: 不用太擔心 由 hitoro 於 2008-10-09 17:16:24

On contrary to the common brief that you can get rich from a car accident, it's very hard for the plaintiff to get money for personal injury. The compensation depends how much the person suffered from the accident. Thus it usually takes more than 2 years as the lawyer needs time build the record of diagnogsis , treatment, pain management and the evidence of impact on plaintiff's work and personal life. That means all the medical expense needs to be prepaid by the other driver's insurance or otherwise from his own pocket. MRI costs $1000 each snapshot, for example. 2 year treatment can easily costs $10K to $20K. So if the other person doesn't have insurance or the proper coverage or he chose the option of giving up the right to go to court for car accident for lower premium when he bought the policy, he won't be able to do all these things right. Even if he followed all the right steps, it's not easy to prove that his sufferring is from this accident. The atterney of your insurance will dig out all the medical history of the other driver and found out any pre-existing condition that matchs his symptoms. As a result, if he doesn't have a hard edivence, say MRI shows a joint dislocation, he might get $5K or $10K total. Even if he had a perfect case, it won't be more than $40K in my opinion. So your $100K coverage is way sufficient in this case.

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