Back in January 2010, I was in a car accident that totalled two cars and including mine and the other driver (now the plaintiff) suffered two fractures. I had full coverage insurance through USAA and my policy states that they will cover $100,000 per person and $300,000 per accident. There was only one person in the other vehicle so there is no issue there. My insurance gave me enough money to pay off the car I had and I bought a new one. She received a new car and money to pay off her old car as well as her medical expenses for the injury. Today (11/10/2010), I received a letter from my insurance company that she is wanting $150,000 exceeding the maximum covered per person by $50,000. The letter stated that they would hire me an attourney or that I could hire my own one. Should I go with a lawyer provided by USAA or hire my own? What are my rights? How can my insurance company and I investigate this? Does she even stand a chance against this situation if she has already accepted a compensation before filing this claim? How do I find out if she is just "milking" more money from the insurance company or if it is being used for medical bills? And finally, does my insurance company and I have the right to review all related medical charts or not proving if the money is needed for medical treatment?
Also, this accident happened in Tennessee. This, I would assume, would be helpful in your answer. Thankyou!
Orignal From: What do I do if a personal injury claim has been filed against me?
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