When you are involved in a car accident or any other type of accident that might be covered by a liability insurance policy, the insurance provider might not be able to pay for all of your expenses even if the other party was considered at fault. Your injuries might be very expensive to treat, and the insurance provider might have a coverage limit that is lower than the sum total of your expenses.
Insurance Coverage Limits
When a policyholder signs up for a policy, they will receive a coverage limit that is based on the policy that they choose. Then, the insurance provider will offer a settlement up to the policy limit. However, this doesn't mean that the insurance provider will always pay the full coverage amount, and you will need to work with an attorney to negotiate an appropriate settlement.
However, if your injuries are much higher than the coverage limit, you will still be able to recover the compensation you need through several other means. For example, you will be able to file a claim against your insurance provider for uninsured motorists if you have this type of policy.
This policy even applies to motorists who aren't insured enough to cover your expenses. However, if this is not an option, your personal injury attorney may have other ideas for how you can receive compensation.
Lawsuits Against the Driver
You are allowed to sue the driver directly to recover damages to pay for your expenses. First, you will need help from your attorney to conduct an investigation to find out if the driver has the assets to pay for your medical expenses. If not, a lawsuit may end up costing you money.
For example, you may be able to have the driver's wages garnished and their bank account levied. You may also be able to take the driver's
- Other valuables
However, you will need guidance from your personal injury attorney to learn about the steps that must be taken.
You'll also need to identify whether there are any other parties that are at-fault. For example, if the driver was performing an errand for his boss at work, you may be able to use this as a reason to seek legal action against the employer. Employers are more likely to have the assets necessary to collect damages. However, they may also have a more competent legal team.
For more information, reach out to a local personal injury attorney.