[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.habbaspilaw.com\/exceeding-policy-limits-on-auto-accident-claims\/#Article","mainEntityOfPage":"https:\/\/www.habbaspilaw.com\/exceeding-policy-limits-on-auto-accident-claims\/","headline":"Exceeding Policy Limits on Auto Accident Claims","name":"Exceeding Policy Limits on Auto Accident Claims","description":"A common question most accident victims ask is, \u201cis it possible to settle my case for more than the at-fault\u2019s insurance policy limits?\u201d Generally, the answer is no. However, in some cases, depending on the specific facts surrounding the case, it is possible to get an insurance company to pay more than their policy limits.… Continue reading Exceeding Policy Limits on Auto Accident Claims<\/span><\/a>","datePublished":"2019-11-12","dateModified":"2026-03-26","author":{"@type":"Person","@id":"https:\/\/www.habbaspilaw.com\/author\/admin\/#Person","name":"Samer Habbas, Esq","url":"https:\/\/www.habbaspilaw.com\/author\/admin\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/328046d5a3bfc49c9999e96862d136a3f4bc810c33ae5a18d4d702bce2c20ecf?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/328046d5a3bfc49c9999e96862d136a3f4bc810c33ae5a18d4d702bce2c20ecf?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Samer Habbas & Associates","logo":{"@type":"ImageObject","@id":"https:\/\/www.habbaspilaw.com\/wp-content\/uploads\/2022\/08\/1241504_HabbasLogoUpdates_Logo1_Op1Black_060822-scaled.jpg","url":"https:\/\/www.habbaspilaw.com\/wp-content\/uploads\/2022\/08\/1241504_HabbasLogoUpdates_Logo1_Op1Black_060822-scaled.jpg","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.habbaspilaw.com\/wp-content\/uploads\/2019\/11\/Capture.png","url":"https:\/\/www.habbaspilaw.com\/wp-content\/uploads\/2019\/11\/Capture.png","height":429,"width":671},"url":"https:\/\/www.habbaspilaw.com\/exceeding-policy-limits-on-auto-accident-claims\/","about":["Auto Accidents","Insurance","Personal Injury Claim"],"wordCount":404,"articleBody":"A common question most accident victims ask is, \u201cis it possible to settle my case for more than the at-fault\u2019s insurance policy limits?\u201d Generally, the answer is no. However, in some cases, depending on the specific facts surrounding the case, it is possible to get an insurance company to pay more than their policy limits. Understanding Insurance Policy LimitsWhen you buy liability insurance, there is essentially always a policy limit in place. This limit refers to the maximum amount of monetary compensation your insurance company will pay out on a claim. For instance, if you buy a car insurance policy that has a $15,000 limit, your carrier is going to pay out only $15,000 \u2013 even if there are $50,000 in damages. The excess $35,000 will have to come from somewhere else.Is It Possible to Collect Excess Damages?In some cases, it may be possible to collect damages in excess of insurance policy limits. These common methods include:Filing a lawsuit against additional defendants \u2013 sometimes, more than one party can be held legally and financially responsible for the accident.Recovering under an umbrella insurance policy \u2013 in some cases, the liable party may have multiple insurance policies.Trying to collect from the defendant personally \u2013 if there is no other party or insurance policy to go after, your only option may be to collect directly from the party who caused the accident.Whichever method that works in your case, will depend on the specific facts of your case.\u00a0\u00a0Bad Faith of the InsurerIf you have damages in excess of the at-fault\u2019s insurance policy, that party may have some protection against personal liability. If the liable party\u2019s insurance carrier had the opportunity to settle the claim for an amount within the policy limits and they fail to do so, then the carrier may be held liable for the full amount of damages that result from a jury verdict. Often, bad faith on the part of the insurance company is required for this rule to kick in.Contact us!You may be entitled to compensation for your accident. If you or a loved has been injured in an accident, you should discuss your legal options with an experienced accident attorney. The attorneys at the Law Offices of Samer Habbas & Associates have achieved over $135 million for their clients so far. For more information or to schedule a FREE consultation with one of the attorneys, call 888-848-5084."},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Exceeding Policy Limits on Auto Accident Claims","item":"https:\/\/www.habbaspilaw.com\/exceeding-policy-limits-on-auto-accident-claims\/#breadcrumbitem"}]}]