Nationwide's auto insurer, Mr. Nicholson ran a red light and caused me multiple injuries. I live in Georgia. They admitted liability and still aren't paying. People! There are State insurance Laws! They are hoping we dont know about them. Here in Georgia..when liability is clear they are suppose to adjust the loss fairly and quickly... that's why we pay for a policy. There are Laws for Unfair Claim Settlement Practices. Make sure you demand to see the guy at fault policy! You have a legal right to see their policy. If you hire a lawyer, he will demand it so you have a right to see someone's policy in a accident. A policy liability limit is the per event NOT the per person amount! Then you can do a demand for payment! If the insurance doesn't pay..States like Georgia may have a Bad Faith Law. In Georgia there is a first party bad faith and third party faith in not settling! Don't rely on a lawyer...do your own research. An attorney may take advantage that you don't know the law and he will make the demand for a lot of money but you may get very little or nothing!