ClaimCave

Uninsured Motorist

UM/UIM claims

hit head-on by an uninsured driver in Georgia with $71,000 in medical bills, and my own carrier State Farm fought my uninsured motorist claim harder than any third-party adjuster would have. Forced a $95,000 UM settlement using the add-on coverage election, a time-limited demand under the O.C.G.A. 33-7-11 framework, and a filed lawsuit. the complete 11-month playbook for fighting your own insurance company.

writing this up because the single biggest shock of this entire experience was not the crash, the surgery, or the bills. it was discovering that when you file an uninsured motorist claim, your own...

Posted by patient_seller_971•
6 comments

State Farm denied my $86,400 underinsured motorist bodily injury claim after a rear-end collision in Pennsylvania caused cervical disc herniation requiring C5-C6 anterior cervical discectomy and fusion surgery and 18 months of conservative care by asserting the at-fault driver's $25,000 bodily injury limit was adequate and that my injuries were pre-existing degenerative disc disease unrelated to the collision. Forced full $86,400 UIM settlement using the UIM coverage stacking framework, the eggshell plaintiff doctrine on pre-existing degenerative conditions, and the Pennsylvania bad faith statute. The five-element approach to UIM bodily injury claims with cervical spine surgery and pre-existing degeneration

Posting this because underinsured motorist (UIM) bodily injury claim denials with cervical or lumbar spine surgery and pre-existing degenerative disc disease are one of the most common policyholder...

Posted by tiredRenter880•
5 comments

State Farm tried to stick me with a $1.2M medical bill after a hit and run driver killed my brother because their UM/UIM 'anti-stacking' clause supposedly limited recovery to a single $100k policy. Won stacking on three vehicles in Pennsylvania after citing the 75 Pa.C.S. § 1738 waiver requirements and Craley v. State Farm. Walking through the policy language and the statute

Posting this because UM/UIM stacking is one of the most contested issues in auto insurance and the recovery difference can be enormous when the at-fault driver is uninsured or underinsured....

Posted by patient_renter_128•
7 comments