You’re in a car accident. Once the dust settles, you start to think about what you need to do next. You do the right thing and seek medical care for your injuries right away. Then, you wonder how you’re going to pay for your medical treatment. Since the other party is at fault for the accident, you assume that their insurance can take care of your medical bills.
However, when you look at the other driver’s insurance policy, you find that your bills exceed their auto policy limits. Now what? Fortunately, there are things that you can do to find resources to pay for your expenses. Here’s what you can do if your medical bills exceed the defendant’s auto policy limits.
If your medical bills exceed the defendant’s auto policy limit, the defendant is still legally liable for the full amount of your damages. You can seek compensation directly from them or from an umbrella insurance policy if they have one.
Also, if your medical bills still exceed the defendant’s auto policy limits, you can look to your own uninsured and underinsured motorist policy, or your health insurance. You can negotiate to settle your medical bills from the funds that you receive from the defendant’s insurance.
What happens if medical bills exceed policy limits is that the victim can look to other places to receive the compensation they deserve. The victim has the right to seek compensation that represents the full amount of their losses. They are not limited by the fact that the defendant has a certain auto policy limit amount.
If medical bills exceed policy limits, the victim can seek payment from any other source that may be available, either through the court system or independently.
Yes, you can sue for more than the policy limit. A victim can sue for the total amount of their damages. That amount may be more or less than the maximum amount.
In addition, the victim can seek compensation from multiple defendants if there is more than one party responsible for the accident. The victim can sue for more than the policy limit and then work to recover their judgment from any sources that are available.
If medical bills are more than the policy limit, you can seek payment from all of these sources:
Some people have extra insurance called an umbrella policy. The policy is separate from auto insurance, and it might pay the remaining amount. If your medical bills exceed the defendant’s auto policy limits, you can look to their personal assets or their umbrella policy for payment.
Although it’s not ideal, the care providers may want to receive something for the treatment rather than have bills go unpaid, and they may be happy to see a settlement that puts dollars in their pocket quickly. Your car accident attorney can handle the negotiations on your behalf.
Are you in a situation where your medical bills exceed the defendant’s auto policy? We can help! Our Tampa car accident attorneys can explore all of the possibilities to ensure that you collect the funds that you deserve.
Whether it’s investigating what defendants to name in the lawsuit or researching insurance policies from all sources that might apply, we have the training and experience to represent your interests. Contact our team of Tampa car accident lawyers at (813) 333-6666 today for your free consultation.