If you were injured in a car accident caused by a negligent driver, you are entitled to be fully compensated for your injuries under Virginia law. However, 
this may not seem possible if the at-fault motorist does not have enough insurance coverage to pay you.
Can you obtain compensation above their insurance limits? Yes, you may be able to recover more damages—if you have the help of an experienced car accident lawyer.
How to Obtain Additional Damages Above the Driver’s Policy Limits
The insurance company for the negligent driver is only responsible for compensating you up to the insurance policy limits no matter how serious the injuries are that you suffered. However, you may have other options to obtain additional damages. Here are other ways to recover what you deserve:
- Other liable parties. In some cases, more than one individual caused the car accident. Drivers of other vehicles, mechanics, parts and car manufacturers, and municipalities are some of the potentially at-fault parties who could have liability to compensate you. Pursuing claims against all possible parties increases the likelihood that you will be fully compensated for your injuries.
- Umbrella policy. The negligent driver could have an umbrella policy that provides additional liability coverage if the auto policy is not sufficient to compensate you. Your attorney can help you determine if this is an option.
- Your own insurance. You may have purchased underinsured motorist coverage as part of your auto insurance policy. If you did, you can file a claim for additional damages with your own insurance company. However, you still need the help of a knowledgeable attorney to ensure that you are treated fairly and fully compensated by them.
- At-fault driver. Another option you have is to sue the negligent driver for the additional compensation you deserve. However, they may have no or few assets to pay you. Your lawyer can help you determine if it would be worth the time and expense of a lawsuit to sue them.
We’re Here to Help
If you or a family member were hurt in a car accident in Norfolk or Virginia Beach, our knowledgeable car accident legal team is here to assist you. We will help you pursue all your options so that you receive the maximum recovery you deserve. To get started, fill out our convenient online form to schedule your free initial consultation today.
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