Q: Can I negotiate a larger settlement than offered by an insurance company that's offering the policy limit?
My wife was killed by a reckless driver. At fault driver's policy limit is 50k. Insurance has offered 50k. Can I negotiate a larger sum through insurance
A:
That is just the amount the insurance will pay on behalf of the driver. But the driver is still liable for the full extent of damages that they caused regardless if the insurance will only pay 50k. You most likely need to determine if the driver has additional assets such as houses, cars, bank accounts, and so on.
In addition, I think you need to get yourself a personal injury attorney and/or wrongful death attorney at this point.
A: I'm very sorry for the loss of your wife. It could be worth checking with your carrier as to the underinsured motorist provisions of your own policy. Good luck
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