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Compensation Beyond the Insurance Policy Limit
If you or someone in your family suffers an injury in an accident caused by another person, your recovery time may necessitate missing out on work and expensive medical attention. The legal system allows for you to recover compensation to get your life back, but given the extent of your damages, you may be wondering, “Can I collect injury compensation beyond the insurance policy limits?”
You are not bound by the negligent party’s policy limits and can seek additional compensation beyond that. Your options for recovery are based on the facts of your case, but our experienced Ohio personal injury lawyers can help you recover the max.
For more information, visit our contact us online or call 1-800-HURT-NOW to schedule a free consultation.
How KNR Maximizes Compensation
When the at-fault party’s insurance coverage is insufficient to cover your losses, our attorneys will review the unique details of your case, fully document your assorted losses, identify any other liable parties and supplemental insurance policies, and fully evaluate all the ways you can recover the compensation you need.
Identify Additional Liable Parties
It’s extremely common for medical costs in a car accident to exceed $25,000, which is the state’s required minimum liability coverage that drivers must have for bodily injuries that they cause. In injuries that do not involve motor vehicle accidents, the negligent party may have no insurance coverage or insufficient coverage for the injuries that they cause.
However, many times there is more than one party responsible for an accident, and we can seek to recover damages from other liable parties if they are also in part responsible for your injuries.
Other responsible parties in personal injury cases can include:
- The mechanic or another professional who left the defendant’s car in an unsafe state for driving on the road.
- In a medical malpractice case, the hospital or employer of your liable doctor can also hold liability for having failed to take certain precautions to help prevent your injury.
- In a premises liability case, the owner or occupier of the location where you were injured could be liable since they failed to take reasonable precautions to make the location safe for guests.
File Against the Umbrella Policy
A defendant in your case may have an umbrella policy, which is a term used to describe a policy that essentially covers all other policies that they might have as well. For example, a company might have an umbrella policy of $100,000 on top of a $25,000 liability policy. In this case, we would likely be able to seek the full $125,000 for your damages. These umbrella policies are sometimes held by private individuals, but they are also common for large businesses and corporations.
Your attorney can determine if there are any umbrella policies that apply to your case and can be brought into your suit in order to help you recover.
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