Special Ops Paintball: I'm getting sued. - Special Ops Paintball

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I'm getting sued. Aftermath of a major car accident.

#1 User is offline   ike123 

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Posted 17 June 2010 - 12:27 AM

So, a while back, some of you may remember the thread, I got in a massive car accident. 4 cars involved, totaled 2, sent a guy to the hospital.

As far as I can tell, he's still there. Course I was told differently by someone(I remember it being the insurance agent, but I can't recall at this point), and that had me living in a stress free dream world till now. The insurance company has made a settlement offer equal to our policy limit, and I get to talk to the lawyer tuesday, but that's about all I know. After A month, I'm sure they're gonna want more than our policy pays, but, well, I don't have money in the slightest, and my parents don't have anything they aren't in debt on besides some stocks.

I'm superbly worried this will end up bankrupting my parents. Super stressed out right now. That's huge, considering I'm never stressed. All this over looking away form the road for a second too long.
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#2 User is offline   LoD 

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Posted 17 June 2010 - 12:32 AM

That sucks bro. Good luck with everything. Let us know what the lawyer says.

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#3 User is offline   5N1P3R 

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Posted 17 June 2010 - 06:45 AM

Hope it all works out :tup:
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#4 User is offline   Big Bone 

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Posted 17 June 2010 - 09:45 AM

Thats terrible dude. I hope the guy in the hospital gets out ok and your parents can get out of that without being bent over a barrel.


Good luck!



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#5 User is offline   MaDuce 

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Posted 17 June 2010 - 10:06 AM

That blows chunks, Ike. If they do want more, they should at least let you pay it off in installments. Bankrupting another family because you get the opportunity is nothing short of revenge.
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#6 User is offline   JerseyPaint 

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Posted 17 June 2010 - 11:25 AM

If he goes over the policy limit, counter sue him for being a dick.

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#7 User is offline   Pirate 

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Posted 17 June 2010 - 12:01 PM

I could always go and "talk" to him. Maybe "explain" why suing for more than your policy and trying to bankrupt a family isn't in his "best interests".
I hope things turn out to for the best.

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#8 User is offline   trustme 

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Posted 17 June 2010 - 12:12 PM

I like to call them "paper wimp's" they sue whenever they can. I feel for you man i hope it all works out ok.
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#9 User is offline   Warpaint 

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Posted 17 June 2010 - 01:10 PM

View Postike123, on Jun 17 2010, 03:27 AM, said:

So, a while back, some of you may remember the thread, I got in a massive car accident. 4 cars involved, totaled 2, sent a guy to the hospital.

As far as I can tell, he's still there. Course I was told differently by someone(I remember it being the insurance agent, but I can't recall at this point), and that had me living in a stress free dream world till now. The insurance company has made a settlement offer equal to our policy limit, and I get to talk to the lawyer tuesday, but that's about all I know. After A month, I'm sure they're gonna want more than our policy pays, but, well, I don't have money in the slightest, and my parents don't have anything they aren't in debt on besides some stocks.

I'm superbly worried this will end up bankrupting my parents. Super stressed out right now. That's huge, considering I'm never stressed. All this over looking away form the road for a second too long.


Who was the owner of the policy at the time of the accident?

Who held the title on the car at the time of the accident?

If your parents own either, they are liable, but you can't get blood from a stone, either. If lawyers sue, your family's financial situation will be disclosed and a bankruptcy may be necessary, usually a 7 or 13 which protect certain personal assets such as your home and cars. Bankruptcy isn't great, but it doesn't last forever either. Good luck.

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Posted 17 June 2010 - 05:48 PM

Sadly this is how the world is. I never thought of myself as an angel, but I would without a doubt never sue anther individual just for the sake of seeing the opportunity to make easy money. What makes it worse is when a none wealthy individual is sued as though they had a great deal of money. I mean, if some one intentionally hurt you or did something willingly that got you injured in the process, yeah sue their ass, but suing someone over something they had no control over is down right pathetic.
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#11 User is offline   Gilla 

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Posted 17 June 2010 - 07:22 PM

Ike that sucks, if you had the max coverage for liability I don't think they can get much more. I was struck by a drink driver as a child after suing total settlement was 25000. That covered medical costs and pain and suffering. Good luck and listen to your lawyer.
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#12 User is offline   Eskimo 

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Posted 17 June 2010 - 07:29 PM

holy..
Thats some serious business right here.
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#13 User is offline   UWANNAGO 

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Posted 17 June 2010 - 07:30 PM

View PostGilla, on Jun 17 2010, 07:22 PM, said:

Ike that sucks, if you had the max coverage for liability I don't think they can get much more. I was struck by a drink driver as a child after suing total settlement was 25000. That covered medical costs and pain and suffering. Good luck and listen to your lawyer.

Your telling him that sucks, yet you sued for pain and suffering. Which is most likely what this guy is doing, unless his car required more work than the policy offered, in that case he is completely right to sue though. Pain and suffering is nothing more than a way to get free money for greedy people.
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#14 User is offline   Mobles 

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Posted 17 June 2010 - 07:33 PM

sucks that your parents have to pay for your mistakes.....
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#15 User is offline   Warpaint 

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Posted 17 June 2010 - 07:55 PM

View PostGilla, on Jun 17 2010, 10:22 PM, said:

Ike that sucks, if you had the max coverage for liability I don't think they can get much more. I was struck by a drink driver as a child after suing total settlement was 25000. That covered medical costs and pain and suffering. Good luck and listen to your lawyer.


Insurance mitigates risk by safety in numbers and indemnifies claimants based upon average normal anticipated or expected expenses from accidents or loss. Most car accidents involve one or two cars, at less than 25 miles per hour, within 10 miles of home, with minor or no injuries, and combined average loss less than total Blue Book value of vehicles. Unless you pay for it, your insurance isn't going to cover you crashing your car into a business, the business burning to the ground, loss of business during closure, lost income of employees during closure, any loss of life or limb, or any negligence associated with the incident on your part, such as exhibition of speed. The business would have various types of insurance based upon typically expected losses, but a car blowing up in their lobby isn't a frequent loss anyone anticipates with insurance.

Insurance doesn't cover pain and suffering, because there are no statistics that quantify those. Some pain and suffering is obvious and compensation is justifiable, and some not quite so much. First, pain and suffering must be proved. If someone loses their leg in a car accident, pain and suffering is a very reasonable and justifiable complaint. Being upset and suing for pain and suffering because your favorite Metallica CD flew out the window after the collision and got scratched is going to be considered frivilous. Once pain and suffering is proved, the difficult task of quantifying that is necessary. Treating (medication, physical therapy, prosthetics) the pain and suffering caused by an accident is pretty easy to put a price tag on, but mental anquish of losing a limb or function is impossible to measure.

That said, you can be sued for losses above and beyond insurance, but if you don't have the ability to pay, both sides end up losers. They'll try and take everything you have, and after that, they're on their own.


This post has been edited by Warpaint: 17 June 2010 - 08:32 PM

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