What happens if I have a severe injury and the person who caused my accident does not have enough insurance coverage to pay all of my damages?
After you have exhausted the insurance coverage you next look to the responsible person’s assets. However, most people who don’t have enough insurance usually don’t have enough assets either. If the responsible person was in the course and scope of their employment when the accident happened, their employer would also be responsible. Most employers have high limit insurance policies. We also look for excess or umbrella insurance policies. There may also be other defendants and other theories of recovery. Serious injury cases allow us to investigate unusual or obscure theories of law in order to recover full value for our injured client.
After you have exhausted the insurance coverage you next look to the responsible person’s assets. However, most people who don’t have enough insurance usually don’t have enough assets either. If the responsible person was in the course and scope of their employment when the accident happened, their employer would also be responsible. Most employers have high limit insurance policies. We also look for excess or umbrella insurance policies. There may also be other defendants and other theories of recovery.
Related Questions
- What happens if I have a severe injury and the person who caused my accident does not have enough insurance coverage to pay all of my damages?
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