The Legal Battle Over an Auto Insurance Umbrella Policy
The Accident and the Insurance Coverage
In a recent legal case, a plaintiff was involved in a car accident in Charleston, South Carolina. The accident occurred when the plaintiff was traveling on Folly Road and a vehicle in the opposite lane made an abrupt U-turn at Folly Road and Old Folly Road.
The plaintiff was unable to stop in time and collided with the turning vehicle, resulting in severe injuries. The at-fault driver’s auto insurance company quickly tendered its coverage, but it was later discovered that he had an umbrella policy as well.
The Lawsuit and the Mediation
Due to the extent of the plaintiff’s injuries, she could not recall much about the accident. Attorneys Gedney M. Howe IV, Michael Monastra of Law Offices of Gedney M Howe III, Charleston, and John Dodds III of Cisa Dodds LLP in Charleston represented the plaintiff in the lawsuit that followed.
Depositions were taken before the case was mediated, and there was much debate about the nature of the plaintiff’s expensive hip replacement. Finally, the umbrella insurance carrier agreed to pay $600,000 of its $1 million coverage.
The Importance of an Umbrella Policy
While it is not mandatory to have an umbrella policy, it is an essential aspect of insurance coverage. Typically, umbrella policies offer liability coverage beyond the limits of one’s primary auto or homeowner’s policy.
In situations where the at-fault driver’s liability coverage is inadequate to compensate the injured party, an umbrella policy can make a significant difference. In this case, the plaintiff was fortunate that the at-fault driver had an umbrella policy.
The Need for Legal Representation
When it comes to accidents and insurance claims, having legal representation is crucial. In this case, the plaintiff’s attorneys were able to negotiate a substantial settlement with the umbrella insurance carrier.
Without legal representation, it is unlikely that the plaintiff would have received adequate compensation for her injuries and suffering. Therefore, it is essential to hire expert attorneys who can fight for the rights of the injured party and get them the compensation they deserve.
Conclusion
The case discussed above highlights the importance of having an umbrella policy as part of one’s insurance coverage. It also underscores the vital role that legal representation can play in ensuring that injured parties receive adequate compensation.
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Originally Post From https://sclawyersweekly.com/news/2024/05/24/850000-settlement-collision-after-unexpected-u-turn-injures-plaintiff/
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