Chattanooga Personal Injury Attorneys

Can I Get More Than Policy Limits For My Car Accident Injuries?

Can I Get More Than Policy Limits For My Car Accident Injuries?

What Are The Plices Limits?

First, you need to know what are insurance policy limits.

Insurance “policy limits” refers to the maximum amount of financial coverage that an insurance policy will provide. This limit is set by the insurance company when the policy is issued, and it applies to each individual claim or event.

For example, if an auto insurance policy has a limit of $50,000 for bodily injury liability, that means that the insurance company will pay up to $50,000 for injuries sustained by any one person in an accident for which you are found to be at fault. If multiple people are injured in the accident, the policy limit would apply to each person separately, so the insurance company would pay up to $50,000 for each person’s injuries, up to the policy limit.

Similarly, if an auto policy has a limit of $25,000 for property damage, that means the company will pay up to $25,000 to repair or replace the other vehicle or any other property that was damaged in an accident you were found to be at fault.

It’s important to note that policy limits vary depending on the type of insurance and the coverage selected. Some people may choose to purchase higher limits of coverage, but that will come with higher premium payments.

Photo of a Car Accident

What Happens If The At-Fault Person Doesn’t Have Enough Policy Limits To Cover Your Medical Bills, Pain And Suffering Or Even Property Damage?

If you are injured in a car accident and the person responsible for the accident has insurance, you may be able to receive compensation for your injuries and other damages through the responsible party’s insurance policy. However, if the policy limits are lower than the total cost of your damages, you may not be able to recover the full amount of your damages through the insurance policy.

There are some ways to try to get more than your insurance policy limits, such as looking at other insurance policies or exploring options like underinsured motorist coverage, but it can be difficult to recover more than the policy limits.

Another option is to file a lawsuit against the at-fault party and try to prove their liability and the extent of your damages. But keep in mind that it can be difficult to win a lawsuit and even if you win, collecting the judgment can be a challenge.

It is always best to consult with an experienced attorney to evaluate your case and determine the best course of action. If you need help figuring out your car insurance policy or you were involved in a collision with someone who lacks enough insurance to cover your expenses, contact the experienced attorneys at Dennis and King, 423-492-5533 or contact us online or chat with us right on this website. We can help even if you don’t hire us.

By |2023-02-13T09:04:45-08:00February 13th, 2023|General Info|0 Comments
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