My question involves a traffic accident in the State of: CALIFORNIA
While riding my motorcycle I hit a pedestrian. My insurance considered me 100% at fault: "failure to yield to the pedestrian in the crosswalk."
At the time of the accident I was riding about 30mph since it was a busy street. I did not hit the pedestrian until I had I slammed my brakes, but the motorcycle did not completely stop and I hit the pedestrian. I was not as bad as it may sound. The pedestrian was able to walk, did not want paramedics and only got into the ambulance and to a hospital check up after the second police officer insisted and said that he must go to. Apparently he was fine, apparently no major injuries, if any maybe a bruised arm.
Too make a long history short, my insurance is now claiming that the claim has exceeded my coverage limit (bodily injury: 15,000 each person - $30,000 each accident). So, as I said before, I don't believe the person got any more hurt than I did, but we all know that traffic/accident lawyers can screw you over.
Anyway, I am here wondering what I can do to help myself.
Can I request from the insurance an itemized bill for all the expenses this person is claiming? Don't I have the rights to know what I will be paying for if my coverage is not sufficient? And what if I don't have the extra money to pay for what they are asking? Can they garnish my wages or only if they sue me? Do I really need to spend money that I don't have to retain a lawyer to fight this claim?
I really need some advice.
I'd appreciate it.