What Happens When a Car Accident Claim Exceeds Insurance Limits?

What Happens When a Car Accident Claim Exceeds Insurance Limits?

What happens when a car accident claim exceeds insurance limits? In many cases, you may still be able to recover additional compensation from other sources, but the path forward depends on the details of your case. Your Phoenix car accident lawyer from Sargon Law Group can review your coverage, identify other liable parties, and help you explore every legal option available.

Insurance Policy Limits and What They Mean for Your Injury Claim

Arizona law requires all drivers to carry a minimum amount of auto insurance, but many serious crashes lead to costs that far exceed those limits. If you suffered major injuries, you may find that the available coverage is not enough to pay your bills. This section breaks down how policy caps affect your ability to recover compensation and what happens when those limits are not enough.

What Arizona Drivers Are Legally Required to Carry

Under A.R.S. § 28-4009, Arizona drivers must carry at least $25,000 in bodily injury coverage per person, $50,000 per accident, and $15,000 for property damage. These are the minimum amounts required by law. If your injuries or vehicle damage exceeds these limits, the at-fault driver’s insurance may only cover a fraction of your actual losses.

Self-Driving Cars and Insurance Limit Disputes

Accidents involving autonomous vehicles or cars equipped with advanced driver-assist systems raise new questions about who is responsible and what coverage applies. These cases may involve product liability claims, negligence, or a combination of both. Insurance companies often dispute whether the fault lies with the vehicle’s technology or the person behind the wheel.

We help clients navigate these self driving car accidents by analyzing software data, safety reports, and driver behavior to determine where the liability should fall.

How to Recover Additional Compensation After an Insurance Cap

If the other driver’s insurance policy is not enough to cover all of your losses, that does not mean you are out of options. There may be other sources of compensation available to you, depending on how the crash happened and who else was involved. We help clients explore every possibility to make sure they are not left with long-term financial strain. Options for recovery beyond the insurance cap may include:

• Filing a claim under your own underinsured motorist (UIM) policy.
• Suing the at-fault driver personally in civil court.
• Identifying additional at-fault drivers.
• Pursuing claims against an employer if the driver was on the job.
• Investigating vehicle manufacturer liability.
• Tapping into umbrella or excess liability policies.
• Filing a claim through a rideshare or commercial vehicle policy.
• Requesting payment through an insurance bad faith action.
• Placing a lien against personal assets if necessary.

We work with you to investigate every possible avenue for full recovery. In cases involving uninsured and underinsured driver accidents, your own policy may provide valuable protection under A.R.S. § 20-259.01. A Phoenix personal injury lawyer from our team will guide you through the process, document your damages, and fight for the compensation you are owed.

Speak With a Car Accident Lawyer Who Knows What Comes Next

Insurance limits do not have to mean the end of your recovery. Your car accident attorney with Sargon Law Group will analyze every detail of your case, pursue additional avenues for compensation, and protect your rights at every turn. Contact us today to schedule your free consultation. We have recovered over $10 million in trial verdicts and insurance settlements and are available 24/7 to help you.