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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 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.

Check Additional Insurance Coverages

There are many circumstances where drivers have additional insurance coverages that can help the injured recover. Additionally, the injured party may have insurance coverage from their own companies.

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 injured will have to look into filing a lawsuit.

Making a Lawsuit

In some circumstances, the injured party may need to file a lawsuit to recover from his or her injuries. There are several parties the injured could file a lawsuit against, but the success of each suit 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 suffers injuries in a car accident where insurance seemingly won’t cover the total, it’s wise to talk to an Austin personal injury 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!

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