At-fault partys auto insurance is not enough to cover my medical expenses (even with my underinsured coverage)

Answers:0   |   LastUpdateAt:2012-07-21 03:09:03  

Question
Keirstan
Asked at 2012-07-21 03:09:03
I was rear-ended by an 18 yr old, and sustained spinal injuries. I have been off work now for 9 mths. and my disability ins. will only pay for 12. His insurance policy will only cover part of my expenses. And even with my own underinsured ins., I am looking at a lot more expenses. I was told by my Md. that I need surgery for my herniated discs, which are causing me great pain. In the meantime, once my disability coverage runs out, I will have no more income to live off of. My atty. told me that once the insurance maximums are met, I can only sue the person who hit me for any overages. But, he's only an 18 year old. What can I do? Not only about my medical situation, but also about my financial situation. How can I afford upcoming medical expenses and cost of living? How do so many people get lost wages, etc. in these cases? Is it that they were just injured by someone with money or extra insurance? I'm unable to work on my existing job (of 27yrs) with this injury. HELP!
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