Serious car wrecks often cause severe injuries that bring massive medical bills. In Georgia, drivers must carry mandatory minimum limits for bodily injury liability. However, a major crash can easily exhaust these baseline policy caps.
When your losses surpass the at-fault driver’s policy limits, their insurer stops paying and leaves you with unpaid bills. Fortunately, you can still pursue other legal paths to secure the full financial payout you need.
1. Use your own underinsured policy
Your own auto insurance policy provides an essential safety net. Underinsured motorist coverage helps when the liable driver lacks enough insurance to pay for your long-term medical care. Georgia insurance companies offer extra coverage options that stack on top of the other driver’s limits.
2. Pursue the driver’s personal assets
You can file a lawsuit directly against the at-fault driver to collect the remaining balance. If the court rules for you, you win a judgment against them. You can then seize their personal assets, take a share of their wages or put liens on their property to satisfy the debt.
3. Identify additional liable parties
Sometimes, more than one party shares fault for a crash. If the driver drove a company truck during work, their employer shares the legal liability. Bad car parts or broken roads can also bring company or government fault, which opens up larger insurance policies.
Secure your financial future
Handling a massive crash claim requires deep research and assertive negotiation. Insurance adjusters focus on saving money and they often downplay serious injuries. A skilled advocate finds secret policies, checks asset records and builds a strong case so you do not suffer for someone else’s negligence.