What Happens When Insurance Doesn’t Cover the Total Cost of Car Accident Injuries?

Sustaining an injury due to someone else’s negligent driving is unfortunate, but what’s even worse is finding out that the at-fault driver’s insurance coverage barely makes a dent in the ensuing hospital fees. If a car accident injury maxes a liability limit, is that the end of the road for the injured? Maybe, but there are other options to check before calling it quits.

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Check for Additional Insurance Coverage

There are many circumstances where a driver has more than one insurance policy that can cover the cost of your injuries or damage to your vehicle. Additionally, you may be able to receive compensation from your own insurance policy under certain circumstances.

Additional insurance coverages that could help:

• Medical Payments Coverage;
• Personal Injury Protection (PIP);
• Employer insurance coverages (if an employee caused the injury while they were on the job);
• Underinsured Motorist or Uninsured Motorist Bodily Injury coverage (held by the injured party).

If there are no other insurance coverages to utilize, the you will have to look into filing a lawsuit.

Filing an Injury Lawsuit

In some circumstances, you may need to file a lawsuit to recover compensation for your injuries. There are several parties you could potentially file a lawsuit against, but the success of each lawsuit is dependent on the facts of the case.

Potential lawsuit defendants include:

• The person who caused the accident;
• The employer of an employee who caused the accident;
• Car manufacturers for defective equipment;
• The city for improper road maintenance;
• Insurance companies acting in bad faith.

Talk to an Attorney About Your Case

If you or a loved one suffered injuries in a car accident where insurance seemingly won’t cover the total, it’s wise to talk to an attorney about your case.

An Austin car accident attorney from Briggle & Polan, PLLC can look at the facts of your case at no charge to you. Additionally, our firm works on a contingency fee basis, which means you don’t pay unless we win.

Call (512) 400-3278 now for your free consultation!