I was recently in an auto accident where I was broadsided by an unlicensed/unisured motorist who ran a red light and was at fault.
I have unisured motorist coverage of 100/300 thousand and 5 thousand med pay.
The at fault party has no means to pay for the accident they caused. I have no health insurance.
My insurance company has stopped paying medical bills because the 5 thousand med pay has been used.
It seems to me I have enough coverage of 100/300 K for unisured motorist property damage and bodily injury. But yet the insurance company will not honor this portion of the insurance they sold me. It appears that I have been paying for many years for insurance I cannot use.
My car was a total loss and that matter is settled now.
I cannot find a health care provider who is willing to place a lien on the claim.
Now I cannot finish the course of medical treatment without paying for this out of pocket. When I bought insurance for this very reason.
Any advice on this would greatly appreciated
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