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Law Suit Advice

Law Suit Advice

Old Jul 1st 2019, 12:44 am
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Default Law Suit Advice

Hey,

I’m reaching out to any UK expats living in the USA, I have found myself in a sticky situation where a law suit has been filed against me and the cost exceeds my insurance coverage. I’ve been advised I’m personally liable to pay the amount over and above my coverage.

If if anyone has any helpful advice I’d appreciate the assistance.

thank you in advance

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Old Jul 1st 2019, 12:57 am
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Default Re: Law Suit Advice

What State? What kind of Law suit? What kind of insurance? Guessing car crash, but maybe medical expense? Not that I have any experience either way, but others might.
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Old Jul 1st 2019, 2:20 am
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Default Re: Law Suit Advice

I would assume Auto.

What can we do?
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Old Jul 1st 2019, 2:41 am
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Default Re: Law Suit Advice

Get an attorney.
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Old Jul 1st 2019, 3:00 am
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Default Re: Law Suit Advice

Get a lawyer, if you can't afford one, well maybe there are student layers or paralegals that can assist you.
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Old Jul 1st 2019, 3:26 am
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Default Re: Law Suit Advice

Originally Posted by Jsmth321 View Post
Get a lawyer, if you can't afford one, well maybe there are student layers or paralegals that can assist you.
Most lawyers as far as i can tell will take a case for free and just take a chunk of whatever settlement, but in this case we do not know any circumstances.
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Old Jul 1st 2019, 4:45 am
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Default Re: Law Suit Advice

Originally Posted by CLS91 View Post
Hey,

I’m reaching out to any UK expats living in the USA, I have found myself in a sticky situation where a law suit has been filed against me and the cost exceeds my insurance coverage. I’ve been advised I’m personally liable to pay the amount over and above my coverage.
... if the case is won by the plaintiff. Time to get a good lawyer to fight the case. Even if you lose maybe the court will award less than what is being asked for. Or maybe a lawyer can negotiate a settlement with the other side before it even goes to court.

Last edited by Giantaxe; Jul 1st 2019 at 4:49 am.
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Old Jul 1st 2019, 5:20 am
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Default Re: Law Suit Advice

Originally Posted by RICH View Post
Most lawyers as far as i can tell will take a case for free and just take a chunk of whatever settlement, but in this case we do not know any circumstances.
Well, we know that the OP appears to be the defendant in a law suit so, unless an attorney can figure out a basis for filing a counter suit against the other party, there isn't going to be any "settlement" from which the OP's attorney could be paid on contingency.
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Old Jul 1st 2019, 10:23 am
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Default Re: Law Suit Advice

If the insurance company has not already referred your case to a local attorney, you need to retain one ASAP. Not only are you personally liable for damages awarded above the level of insurance, they can and will come after your assets as a result in any judgement.
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Old Jul 1st 2019, 11:30 am
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Default Re: Law Suit Advice

I agree with others. get a lawyer to act on your behalf.

No help to the OP but, more generally, this is why it is appropriate to take out umbrella insurance.
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Old Jul 1st 2019, 3:58 pm
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Default Re: Law Suit Advice

Originally Posted by MidAtlantic View Post
I agree with others. get a lawyer to act on your behalf.

No help to the OP but, more generally, this is why it is appropriate to take out umbrella insurance.
This is a very litigious country so I agree completely.
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Old Jul 1st 2019, 5:02 pm
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Default Re: Law Suit Advice

Is your insurance company going to just pay out or fight the amount?
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Old Jul 1st 2019, 5:50 pm
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Default Re: Law Suit Advice

Of course, the best place to go to get advice on a procedure that could potentially leave you on the hook for thousands of dollars is an anonymous forum on the internet!

The ONLY advice you should take from here is GET YOURSELF A LAWYER!
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Old Jul 1st 2019, 6:05 pm
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Default Re: Law Suit Advice

If this is an auto accident and you have good insurance say 300,000-500,000 is not the insurance company going to fight hard to limit the amount they have to pay on your behalf? If they are willing to concede your liability and pay the max amount then your case doesn’t look good and a good lawyer is more important than ever.
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Old Jul 1st 2019, 11:46 pm
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Default Re: Law Suit Advice

Originally Posted by ddsrph View Post
If this is an auto accident and you have good insurance say 300,000-500,000 is not the insurance company going to fight hard to limit the amount they have to pay on your behalf?
They did say that the claim exceeds their insurance limits, so it's either one hell of an accident or they went with lower insurance limits than they thought they might need.

I only went with state minimum when I first moved here, which was a mistake that I swiftly rectified as soon as the implications of that were pointed out to me!
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