Bringing a Claim Against Both Insurance Companies
In some cases, you can recover against both the other side’s insurance policy and your insurance. For example, say you’re in an accident. The other party has $25,000 in insurance coverage, and your damages are $50,000.
You can recover $25,000 from the other side, but you’re still $25,000 short. If your own insurance covers uninsured and underinsured motorists, you can recover from your insurance for the remaining $25,000 or up to your policy limit whichever is less. However, you can’t get a double recovery.
Related: How to Make a Claim in a Car Accident That Wasn’t Your Fault