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Clear Policy Limits Cases

Clear Policy Limits

It is entirely possible that a driver, even if they did not cause it, is involved in a car collision that results in costly medical bills and repairs. In this scenario, it is preferred that the injured driver obtains as much of these costs as possible from the other driver, the at-fault driver’s insurer, or their own insurer. However, total coverage provided by an insurance policy may not always be enough to cover all damages, both physical and mental, of the injured driver.  

If an individual is seriously injured and an insurance policy’s maximum coverage amount is less than the damages involved in a case, the insurer may likely opt to pay the full amount of the existing bodily injury policy to end the case. An individual who suffers a car accident in New York may have additional insurance to look to as well if there is underinsured motorist (UIM) or uninsured motorist (UM) coverage. In general, this type of claim allows the injured individual to recover from their own car’s insurance company when the at-fault driver’s insurance coverage is insufficient to cover the injured driver’s full medical expenses. In New York, this coverage is offset by the at-fault driver’s insurance. This means that after collecting in full from the defendant’s driver’s insurance, the injured driver may then turn to their own insurance provider to cover the remaining costs for injuries. 

Even when recovery seems limited, there may be other options available depending on jurisdiction, policies, and potential bad faith by an insurer. To ensure that you are not paying out of pocket more than you need, and are aware of all appropriate methods of recovery, contact KI Legal Personal Injury today at (212) 404-8605 or by emailing so that our experienced personal injury attorneys can assist you with any claims or questions. 



This information is the most up to date news available as of the date posted. Please be advised that any information posted on the KI Legal Blog or Social Channels is being supplied for informational purposes only and is subject to change at any time. For more information, and clarity surrounding your individual organization or current situation, contact a member of the KI Legal team.  


KI Legal Personal Injury fights for victims of a wide array of personal injury claims, from Motor Vehicle Accidents to Scaffolding and Ladder Falls to Slip/Trip & Falls, amongst others. By leveraging its multidisciplinary foundation and, with the help of its experienced litigators, KI Legal Personal Injury can fight for the results and compensation that victims deserve without pushing for premature settlements due to financial reasons. This financial paradigm shift swings the pendulum in our favor when it comes to negotiating with insurance carriers, inherently leading to better results for clients. For the latest updates. 

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