And there was more, thanks to South Carolina’s “stacking law“. I also found coverage under the father’s UIM policy, which had a limit of $100,000 per person and $300,000 per accident. Rob got the maximum for the girls under both UIM policies – $150,000 each. We split the $30,000 liability limit three ways between the girls and the driver of their car.
Once I obtained all the coverage available, the case settled quickly. Each child got $161,000, including a $1000 personal injury protection payment I discovered under their father’s policy.
As with any child’s settlement for a substantial amount, we had to present the the settlement to a judge to get it approved by court order. To protect the children’s rights to the money and give their daddy peace of mind they would not spend it while young, I helped daddy put most of the money in a structured settlement that allowed daddy to decide when the girls got certain amounts of money after they reached the age of 18. Because the girls also faced potential future medical costs, Rob helped daddy open a conservatorship to put away some of the money in a secure bank account in case the girls needed future medical care.
The results here are specific to the facts and legal circumstances of each client’s unique case. Any result for a prior client does not necessarily indicate similar results can be obtained for other clients. Every client’s case must be evaluated on its unique facts and applicable law.