Can You Sue An Insurance Company For More Than The Policy Limits

Contact us today to discuss your case. Clients who are not satisfied sometimes ask whether they can sue the driver to recover more than the available policy limits.


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For example, if an injured person makes a claim with their insurance company for $25,000 or the full limits of their policy, they have to give the insurance company time to evaluate their claim and pay the demanded amount before they can attempt to recover more than $25,000 directly from the insurance company.

Can you sue an insurance company for more than the policy limits. Depending on your policy limits, this coverage may help to make you whole. However, if the driver does not have the funds to cover your damages, they could be unable to afford to pay. If an insurance company acts negligently under the stowers doctrine.

1 found this answer helpful. We have to break this question down a but. If you are not the insured, you probably cannot sue the insurance company at all.

… in most cases, your lawyer will pursue compensation for you through negotiations with the insurance company. The truth is, you can’t force an insurance company to pay beyond the bounds of its policy limit. That means the insurance company is only obligated to pay up to $30,000 to any one person for their injury.

Unfortunately, you cannot make an insurance company pay beyond its policy limit. Filing suit against additional defendants. However, you cannot go after the insurance company for an amount past their insurance policy limit.

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Technically, you can try to get more money. The insurance company has agreed to pay their policy limits in exchange for a full release against the other driver. Often, we help our customers sue their insurance company to collect the full amount owed to them from the settlement.

In texas, the minimum limits for bodily injury coverage for any one person is $30,000. If the policy limits of the liable person cover your damages, then you can simply focus on collecting what you can from the insurance company. There are also state specific laws relating to insurance that will change the general answers.

Unfortunately, these policy limits sometimes are not enough to compensate a victim’s damages fully. The short answer is yes, you can be sued for more than your coverage provides. You have an agreement with your insurer that they will cover damages up to the limit of your insurance.

You have the right to ask the defendants’ insurance to cover your liabilities to the maximum amount in the plan. However, as a practical matter, few people receive more than the defendant driver’s car insurance policy limit. For example, assume that a company had $100,000 in liability protection and a $50,000 umbrella policy.

The above is general information. Can i sue for more than the defendant’s insurance policy limits in florida? Getting damages above policy limits in an arkansas car accident case.

In the state of florida, you cannot seek more financial recovery with an insurance company than what the defendant’s policy limits state. You can certainly sue for more than the insurance liability policy limits. This kind of policy is designed to kick in when the policyholder faces liability in excess of the specific original policy limits.

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Of course, if you have your own underinsured motorist coverage. The plaintiff is not bound by the coverage limits. Collecting under an umbrella policy.

Contractually speaking, insurance companies are only liable for paying out the limits within the defendant’s insurance policy. This is true even if the injuries are very severe and the claim is worth more. There are a few things you should know about auto accident settlements and policy limits.

However, since this might not be the case, you have the option to exercise your right to personally sue the individual or people whose negligence caused your accident. The first policy would pay up to $100,000. Is there any way to get more than the policy limits?

If you choose to pursue a lawsuit as a way to get more than the insurance policy limit, you. Texas law requires all drivers to maintain a minimum level of automobile liability insurance. If you do, you’ll be removing their insurance company from the picture.

The second would kick in and pay $50,000 more if the damages exceeded. You don;t have a contract w. In colorado, our state currently requires that those registering a vehicle carry a minimum of $25,000 in bodily injury liability insurance per injured person, up to a maximum of $50,000 per accident.

That just means that is the maximum amount generally (with some very limited exceptions) the insurance company will be paying.


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