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What happens when car accident claim exceeds insurance limits

The cost of auto insurance has been increased by 45.4% since 2013. It’s majorly because of the increasing number of auto accidents and, thus, the number of people looking for better coverage through insurance. However, in severe accidents, car accident claim exceed Insurance Limits and make it nearly impossible to even get benefits from  Florida law for a minimum of $10,000 in property damage coverage and $10,000 for personal injury protection. 

The whole claiming process will include investigating the at-fault driver’s insurance policy or running in circles for remaining car accident claim amounts covered through health insurance. But you can also achieve car accident claim without stress and headaches with preventive measures and solutions. Therefore, have a sigh of relief and read below everything with keen attention.

Consequences of Exceeding Car Accident Claim Limits

Exceeding the auto insurance limit can result in many consequences where a person may either claim from a faulty driver to compensate for a remaining claim or need to use their savings to pay the price. But things are not as easy as buttering a slice of bread. The case may reach court if the faulty driver’s insurance won’t pay ultimately or if not fulfilling financial obligations, which can result in legal penalties if you’re liable. 

The consequences aren’t limited to money, but also, If you’re liable for damages, then it’s possible that you will face a risky policyholder treatment and can also get the policy cancellation.

 Ways You Can Avoid and Solve Your Claim Exceeding the Limitations

You should practice these few precautions to avoid catching up with a minor risk of a car accident claim exceeding insurance limits. The first step is to call your insurance company and tell everything honestly about your accident while not giving unnecessary details. Then, you can make several other intelligent moves to get your damages compensated without reaching the insurance limits:

  • Be aware of the car accident insurance policy limits.
  • Ensure you have a high-limit policy or go for a particular auto insurance policy/umbrella policy.
  • Keep some savings for the risks of car accident claim exceeds
  • Be a responsible driver and implement traffic regulations.

However, even if you face a brutal accident where there is nothing you can do to cover your car accident claim completely through an insurance policy, there are several solutions for it:

  • If you’re not at fault and the claim exceeds the the at-fault driver’s insurance limit, you can sue them for the remaining recovery.
  • You can claim your insurance company if uninsured or underinsured motorist coverage.
  • If you’re at fault, you must pay yourself for the remaining costs.
  • You can take guidance from professional lawyers for auto insurance to bring you the best compensation.

Lauderdale Attorney Can Get Your Car Accident Claim Compensation Even After Exceeding Limits.

It’s never easy to get received from an accident yourself and then your other damages simultaneously. There is never such guarantee of a happy ending when going for an insurance claim, and it brews distinct landscapes of challenges depending on the conditions.

However, in any condition, getting legal assistance can be a perfect shelter to release you from legal complexity and stress. Moreover, having guidance can educate you about preventive measures and crucial steps to soothe the impact of exceeded claims on your pockets. So, contact Maus law attorney and have the most experienced car accident insurance claim lawyer at your side to come out stronger from any stormy insurance situations.


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If you or a loved one has been seriously injured in an accident, you deserve an attorney you can trust

– to prepare your case properly, and to obtain the compensation you deserve. The Attorneys at the Maus Law Firm have tried more than 130 jury trials, and recovered millions of dollars on behalf of their clients. In fact, most of our cases are referred from our former clients on cases in which we served as the lead accident claims lawyer.

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