my younger bro fell asleep behind the wheel, crossed over the lane and smashed another car, totalling both his honda civic coupe and the nissan sentra. my bro was in the hospital for 2 weeks, one guy for 3 or 4 days, and the other guy 2 days.
needless to say, we're getting sued for pretty much everything you can imagine. needless to say, on our own we couldn't afford a very good lawyer. no problem--allstate has some very good lawyers so we get one that has helped a LOT so far and will help a lot during the ensuing court battles for a few more years down the line.
allstate did NOT pay off the other people (such as revmonsters case was)..but on the other hand, my bro's hospital bill alone was over $250k and there's like a couple mil involved in the lawsuit...but they DID pay the whole premium w/out question and as i said they are providing a lawyer--which they do NOT have to do by law (by law if an insurance companies pays off the policy in full--they are hands free)
that was back in february, my bro is due back in the hospital for more surgery early next month (august) which will put him back in a wheelchair and on crutches for another 2-3 months