Auto Insurance Claims: Motorcycle accident claim question, Motorcycle accident claim, injury claim in motorcycle

Question
While riding my motorcycle I hit a pedestrian. My insurance considered me 100% at fault: "failure to yield to the pedestrian in the crosswalk."
At the time of the accident I was riding about 30 mph since it was a busy street.  I did not hit the pedestrian until I had slammed my brakes, but the motorcycle did not completely stop and I hit the pedestrian anyway. It was not as bad as it may sound. The pedestrian was able to stan up and walk, at first he did not want paramedics and only got into the ambulance and to a hospital check up after the second police officer insisted and said that he must go to. Apparently he was fine, no major injuries, if any maybe a bruised arm.
Too make a long history short, my insurance is now claiming that the claim has exceeded my coverage limit (bodily injury: 15,000 each person - $30,000 each accident). So, as I said before, I don't believe the person got any more hurt than I did, but I know that traffic/accident lawyers can screw you over.
Anyway, I am here wondering what I can do to help myself.
Can I request from the insurance an itemized bill for all the expenses this person is claiming?  Don't I have the rights to know what I will be paying for if my coverage is not sufficient?  And what if I don't have the extra money to pay for what they are asking?  Can they garnish my wages or only if they sue me?  Do I really need to spend money that I don't have to retain a lawyer to fight this claim?
I really need some advice.
I'd appreciate it.
Thanks.
Ruben

Answer
Hello,

Your insurance company has a duty to you! They have an affirmative duty to settle within policy limits. Yes, you do have a right to see that paperwork, but insurance companies like to hide the ball and not allow you to see this. They have a very strong duty to you, and unless they are justified on paying over limits (the injury was indeed that bad), they might be acting on “bad faith.”

You can try to force their hand, but often times, you will need an attorney before they will give you this paperwork.

For more information about auto and motorcycle claims, visit:

http://www.auto-insurance-claim-advice.com

Good Luck
Anne.
http://www.auto-insurance-claim-advice.com