Insurance Claim Limits Explained

Summary

In California, insurance policies have limits for bodily injury claims, often $10,000 per person and $20,000 per accident. If injuries exceed these limits, additional compensation may be sought through uninsured/underinsured motorist coverage or a personal injury lawsuit. Documenting injuries and seeking medical attention is crucial. Consult a local attorney for personalized advice.

Full Conversation

I was a passenger in an auto accident. The insurance told me that I could only collect $*,*. I injured my neck and I have to split that if someone else claims injury too. Is that a fact?
Hey ****! In California, insurance policies typically have limits for bodily injury. If the at-fault driver's policy is $*,* per person and $*,* per accident, you'd have to share the limit with other claimants. Have you considered speaking with a local attorney to explore all your options?
What if I have more injuries?
If you have more injuries, it’s important to document them thoroughly and seek medical treatment to have a clear record. Additional injuries might increase your compensation claim. Consider consulting with a local attorney to evaluate the full extent of your damages and explore potential compensation beyond the insurance limits. Would you like help connecting with a local lawyer?
Can I collect more if there are more injuries?
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If you have sustained more injuries, you may be entitled to additional compensation beyond the initial insurance limits. It's crucial to document all injuries and seek medical attention. Would you like to be connected to local lawyers who can better assist you with your case?
What part of their insurance covers additional injuries?
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In California, additional injuries may be covered under:
- Bodily Injury Liability: Covers medical expenses for injuries caused by the at-fault driver.
- Uninsured/Underinsured Motorist Coverage: May provide compensation if the at-fault driver’s insurance isn't sufficient.
Would you like to be connected to local lawyers who can better assist you with your case?
If you're not injured, can you still collect the $*,*?
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In California, if you're not injured, you typically cannot collect compensation for bodily injury from the insurance. Compensation is usually tied to documented injuries or damages. However, if there were other damages like emotional distress or property damage, you might have a case. Would you like to be connected to local lawyers who can better assist you with your case?
Will they pay more if my injuries exceed $*,*?
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If your injuries exceed the $*,* insurance limit, you may potentially seek compensation through other avenues, such as uninsured/underinsured motorist coverage or a personal injury lawsuit against the at-fault driver.
Would you like to be connected to local lawyers who can better assist you with your case?