If you win your case, either in or out of court, keep in mind that the defendant’s insurance policy won’t pay out a settlement that’s more than the limits of his or her policy. That said, you can sometimes collect much more from the defendant. Here are the secrets.
How do insurance policy limits work?
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Collect excess damages
Keep in mind that you can get the extra $50,000 that you need if you have $100,000 in expenses from your personal injury accident but the defendant’s policy limit is $50,000. There are certain things that you can do:
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Suing other defendants
You may be able to hold other parties legally responsible for your accident. The defendants will be jointly and severally responsible for your injuries and damages in this instance. You may have a situation where there are multiple defendants if you have:
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Umbrella policies
The defendant(s) may have more than one insurance policy in place. He or she (they) are said to have an umbrella insurance policy in this instance.
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What To Do When the Insurance Company Acts In Bad Faith
If you’re guilty and your insurance company is legally obligated to pay but is failing to do so you can take action because your insurance company is guilty of acting in bad faith. This is rare though since insurance companies usually have a good and verifiable reason for refusing to pay the plaintiff’s claim.
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