Many assume that the insurance companies involved in a car crash would take care of all financial issues. A $10,000 Personal Injury Insurance policy is required by Florida law for all drivers, which covers personal medical expenditures and damages to the vehicle. Medical bills, as well as other damages, on the other hand, can frequently reach $10,000. However, it is vital to remember that insurers work within their policy restrictions when considering how much they are ready to pay out in compensation for those injured. You must understand the insurance plan limits in your case before consulting with an Orlando car accident lawyer about your subsequent actions.

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What Exactly Are The Boundaries Of A Policy?

Policy limits apply to all liability policies, regardless of kind. An insurance company’s financial liability in the case of an accident is based on a policy limit. The maximum amount for which an insurance company is liable is known as the policy limit in the event of an accident or injury. A bodily harm policy limit at $50,000, for example, means that the insurance provider is not liable for damages above that amount. Despite this, in so many situations, an injured party may be able to claim compensation above the policy amount.

Excessive Reimbursement Not Covered By The Policy

The most popular methods for obtaining compensation above the limitations of an insurance policy are as follows:

  • bringing a personal injury claim against more than one party;
  • Leveraging an individual’s assets to extort money from them.
  • Coverage for Drivers Who Are Uninsured or Underinsured

Insurance Coverage Under an Umbrella

Large firms and businesses are more likely to have an umbrella insurance policy, but individuals can also get one. These policies are designed to prevent the policyholder from being held liable for costs exceeding the original policy limits.

Multiple Defendants In An Injury Claims Lawsuit

Several parties may be held accountable for damages in a given situation. Because these instances involve multiple defendants, it is less usual but valuable to have this option available. Multiple offenders can be held liable for damages in a variety of ways. Employees’ negligence can be held accountable by their employers in certain situations, such as when they are involved in an auto accident while driving a corporate car or performing other duties related to their job. A third party may also be held liable if the defendant was using a vehicle owned and co-owned by that third party.

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Paying The Defendant Directly

It is widespread to recover from an at-fault party’s cash or assets when damages exceed their insurance policy limitations. There are few options for recovery if the defendant lacks the assets or cash necessary to make good on the debt.

You may be able to recover compensation from such an at-fault person if you can get an increase in the burden or a lien on their assets. If they lack assets, including such property or salary, they are unlikely to be able to receive cash in surplus of the insurance maximum.


The Law Firm’s Orlando and Central Florida personal injury offices can be reached by dialing 7s for those who have been harmed in accidents or due to negligence. Oath to you means treating your case with efficiency, competence, and vigor throughout the process. A lawyer can provide you with the individual attention your case deserves. If they don’t win your case, you owe them nothing. Please don’t hesitate to contact them immediately for a no-obligation consultation about your legal options.