My question involves an injury that occurred in the state of: Illinois but all involved are from Oklahoma. My 20 year old daughter and 3 of her friends were in a single car rollover MVA. They were travelling out of state when the accident occurred. My daughter was not driving the car at the time of the accident. We were just put on notice by our insurance company that one of the passengers is likely to sue us because damages in the claim could exceed our policy limits which is $100k/$300K. Her injuries were the least severe but she has no health insurance. Because of the extensive ER workup, surgery to her wrist, a couple of days in the hospital, follow-up and treatment by local ortho, PT.......it looks like we will be sued by her for additional liability. She is still friends with our daughter. Should we make contact with her or wait and see what the settlement is with our insurance company first?
In addition, the driver of car has a small amount of insurance that will be secondary coverage. His insurance company told us that he had $25k total coverage that would be split 3 ways between the passengers. Then a couple of weeks ago they called to inform us that they had "found more money" and the policy actually has $50k. Does that not seem odd? Do you think his insurance company had been lying and once she hired a lawyer they "found more coverage"? Isn't that illegal?