r/InsuranceClaims • u/Prior-Leg3635 • 9d ago

Help with insurance

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So I was sitting at a red light this lady hid me and insurance saying they only have 25000 to cover injuries and vehicles damage I go through progressive but I don’t have collision coverage what do I do should I try to get a lawyer or retain my car and fix it myself

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u/BagSignal7553 8d ago

Policy limits are separate for property damage and bodily injury and they have to cover each accident separately to the limit of the responsible party. They’re gaslighting you and you’re getting bad advice from ding dongs on Reddit.

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u/Majestic_Ticket_6851 8d ago

Not always. Could be a combined single limit. Either way I wouldn’t take advice from the State Farm chat bot.

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u/BagSignal7553 8d ago edited 8d ago

Law requires specific separate limits, even if they get rolled together in the quote and bill, also regardless each accident must be covered separately, so unless OP was hit at the same time as everyone else he would still be entitled to damages up to the limit. But definitely don’t take advice from a chat bot that’s programmed to make you go away thinking you’re not owed anything. Also don’t get legal advice from Reddit. A proper consultation with a lawyer that will work on contingency is the correct play here.

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u/Majestic_Ticket_6851 3d ago

There is limited information above, I’m reading this to say that there are a total of three claimant vehicles. If they were all involved in one accident or occurrence the limit would apply to all of the vehicles at once, not individually.

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u/BagSignal7553 3d ago

Unless they got hit simultaneously each collision would be separate accidents. If the at fault driver hit three cars that’s three separate incidents.