Quote:
Originally Posted by mitama
My insurance claim department is not even pickinup..
F*** Geic*
So once I figure out my insurance company has paid the max.
What would you recommend to do next? Call their insurance company and tell them I have no money..?
I can't even hire a lawyer. I have $100 in my bank account
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As has been said by others, you are seeing first hand the downside of being underinsured. At least where I am, the incremental cost to get to 500k or 1m coverage is pretty small, maybe $10-20 per month more than state minimums.
At this point you need to figure out how you will be able to tackle the debt you will likely owe if the claim goes to judgment. Savings is out, so maybe a second job? Sell your car and buy a $3k beater and roll the excess proceeds into the judgment debt?
Either way, keep trying to contact your insurance. They may still be obligated to provide legal defense even if policy limits are already exhausted.