The Other Driver Has Minimum Insurance. What If Your Injuries Exceed the Policy Limits?
You were seriously injured in a crash. Your medical bills are climbing, you may be unable to work, and you are still trying to understand how the accident will affect your health and your future. Then you learn that the driver who caused the crash has only minimum liability insurance. For someone injured in a car accident in Orange County, that discovery can raise an immediate concern: What happens if the available insurance is nowhere near enough to cover your losses? The answer is not always as simple as the number listed on the other driver's policy. A liability limit sets the amount available from that particular insurer under the policy. The losses caused by a serious crash can be greater than that amount, which makes it important to evaluate the claim, the applicable insurance, and who may be legally responsible as separate issues. How Much Liability Insurance Does California Normally Require? For standard California auto policies, state law requires at least: $30,000 for bodily...
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