Insurance company wants a signed release for them as well as the insured before releasing funds, is this legal

My husband was t-boned by a drugged out kid. The kid's parent's insurance will not release the $15,000 personal injury limit from their policy until a release is signed releasing the company as well as the insureds as individuals for future or further litigation. I can understand holding the insurance company harmless for future claims. But the individuals??? My husband currently has numerous six figure hospital bills, is facing more surgeries, will never be able to work at his trade again, and I won't even talk about spousal relations... How can the company demand that we release these people before paying us?
Don't bother telling me to get an attorney. We have one, and he's more worthless than the nipples on my stud horse.
I'm looking for an organization that's currently working on insurance reform.
Really, I'm looking for a time machine - so I can get my real life back...
Any advice? Been in a similar situation? Any response appreciated...

The Insurance company's legal obligation is to protect their insured. They'd be violating that obligation if they threw in their money without any effort to protect their customer. Complete release is the condition of their offer. If you want to go after the kid or his parents for more, don't sign it. You'll have to file suit. The insurer will probably ultimately kick in their limit, but you likely won't be able to collect it until your law suit is either settled or gone to judgment or the defendant has filed for bankrupotcy protection. There are some other twists & options, depending on state law & your particular situation, but nothing that's gonna make things much different. If you want to max out, you gotta be patient.

is only legal if u agree tell them nuts if they dont pay u will sue whioch means a bigger pay out stand ure ground stick to ure guns ull get whats rightfully ures

yES. yOU WANT GET FUNDS WITHOUT A RELEASE.
THATS WHY MANY HIRE AN ATTORNEY..
mANY THINGS CAN HAPPEN MONTHS DOWN THE ROAD.

ATTORNEYS LOOK FOR FOR INSURANCE COMPANY.
WHO IS LOOKING OUT FOR YOU?

Drop your reject attorney and get another one, until you find one that will pursue action. Your case sounds like a sure win.

Your story is heartbreaking, and I pray you will see God's provision in it.

Do not sign any thing. You need to get to an attorney and like yesterday.
Any release you sign is just that, you are releasing the insurance company and their insured. With no further chance of financial settlement.
This sounds like one of those cases that may go on for years before it is completely settled.
Your attorney might not be as useless as you think. One thing for sure it is illegal for the insurance company to talk to you direct once you have an attorney. If you don't like the one you have dump him , get another
.

If you have six figure bills, 15k isn't going to help much. I'd pass and get a new attorney if you don't feel confident with the one you have.

Sounds like the 15 K will not even begin to cover your husband's hospital bills, nor compensating for lost wages. The insurance is trying to get out of paying for more. Find a better attorney. I'm sure you could get a lot more than this. Look into suing the kid's parents if the insurance co. won't pay out more. All this you need to ask a attorney about.

my experience in the past is anytime people start demanding releases they see truoble down the road. if not why do they want you to release them>>> you beter get a good laywer and check this farther before you sign anything. $15,000 will not buy you three days in the hospital let alone all the things athat will pop up in the future. D o sign anything and do some calling to other lawyers and see if you can't get someone that can help you .