I don't know the details of what happened here but if his loss is greater than the insurance coverage the responsible party is still responsible for the additional amount. the girl may have to fork over money out of her pocket to provide complete restitution if she has the funds or have family or friends that are willing to help her. Worker's compensation should be available until the doctor has released the injured party. State laws vary but these are general rules that apply to most any state. I worked as an insurance adjuster for over 40 years and know many companies don't want to share everything with the employee for fear there WC rates will rise. Also, some companies are self-insured but still have to abide by certain rules. If this is a car accident he may have underinsured motorist coverage which can pick up what is over the 3rd parties insurance coverage. The companies I worked for always told us to explain everything in detail-options and coverage-otherwise could be subject to "bad faith" lawsuits.
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Today's Featured Article - A Cautionary Tale - by Ian Minshull. In the early 1950s my father bought an Allis Chalmers B and I used it for all the row crop work with the mangolds and potatoes, rolling and the haymaking on our farm. The farm and the Allis were sold and I have spent a lifetime working on farms throughout the country. I promised myself that one day I would own an Allis. That time event
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