A little over a year ago, I backed into my 23 month old daughter with the our car. A few months later our car insurance called and offered to settle her claim for $850. We were suprised that my daughter would get anything since I was the one that hit her. Our insurance explained that it was just like her getting hit by someone else, or me hitting another child. We wanted to make sure all her medical bills were being taken care of and our car insurance said yes they would. But we found out they didn't know everything she had been through and what her injuries were. Now our car insurance has all the bills and the medical reports from the hospitals that she went to. Tomorrow they are suppose to call and offer a new settlement. My wife called around to both hospitals and both ambulance companies that we used and all the bills were about $10,000. Were not greedy, but we want to make sure my daughter gets all the money she should. That's what the insurance is for after all.
Additional Details
The accident was determined to be my daughter fault, but because she was 23 months its considered no fault. My insurance company and a couple other said this wouldn't effect my insurance. I recently renewed my policy and it didn't. Motion detectors wouldn't have helped since she got hit by the front tire as I was backing and turing out of our driveway. I was driving a minivan so she was significantly below were I could see out of the window.