My question involves an injury that occurred in the state of: Idaho
My ex wife and I have a four year old son. A woman ran a stopsign and tboned my son and I. He was properly strapped into his car seat. She admitted she was at fault. My son has has been in intensive care at the big city hospital for 11 days now. My ex wife and I have both taken off work since the accident to be with him. Our son hasn't woken up since then. the doctors didn't expect him to make it, but he's still hanging in there. Oh, I was delivering the car that was hit to a new owner. The new owner had the title, etc., already, and they have a policy that said it would help pay. The woman had ins too. I don't know how much either policy is for. My ex has health insurance on our boy. So far it's cost about 90k just in meds. He's probably going to have brain damage, but they don't know to what extent. I had a bruised kidney, and a lot of pain, but hopefully nothing permanent. Here are my questions:
1. I hired a lawyer, and he contacted both insurance carriers, the police dept., and the officer. He told us he needs to get a copy of the policies to see what the limits are. Am I stuck with the limits? I don't think it'll be enough to cover his meds right now, much less in the future if he's disabled.
2. Is the lady's insurance going to pay for all this? what about my own insurance policy, or the one that was on the car when it was wrecked? Can we ask them to help pay? And where does their obligation to help end, and my wife's health insurance policy kick in?
3. My ex and I live over 200 miles away from the hospital. Will the insurance company pay our bills, lost wages, etc. while we are down here?
4. If the lady's liability is obvious, and the insurance company or companies decide to just offer us the policy limits, what is my lawyer really doing for us? That doesn't seem like it's worth 30%.
5. What information should I be gathering right now? And is my just calling the three insurance companies enough to put them on notice of an accident?
Thanks very much for any help.