{"id":2168,"date":"2017-03-26T00:00:00","date_gmt":"2017-03-26T00:00:00","guid":{"rendered":"https:\/\/www.awjlaw.com\/2017\/03\/26\/how-insurance-policy-limits-can-affect-my-case\/"},"modified":"2024-08-29T21:12:10","modified_gmt":"2024-08-29T21:12:10","slug":"how-insurance-policy-limits-can-affect-my-case","status":"publish","type":"page","link":"https:\/\/www.awjlaw.com\/faqs\/how-insurance-policy-limits-can-affect-my-case\/","title":{"rendered":"How Insurance Policy Limits Can Affect My Case"},"content":{"rendered":"

An insurance company will typically pay for a personal injury lawsuit if the plaintiff\u2019s attorney is successful. The type of case is irrelevant, whether it be auto accident, slip and fall, animal attack, or something else. Unless you are bringing a case against some large corporation or business, the defendant\u2019s insurance policy is what you\u2019ll be trying to recover against.<\/p>\n

Victims who walk through the doors of Jones & Swanson are many times unaware that there are limits to what they can claim against until we\u2019ve discussed the specifics of personal injury lawsuits with them. Insurance polices are limited to what\u2019s referred to as \u201cpolicy limits\u201d. Essentially, this is a maximum amount set by the insurance company that an individual can be held liable for an incident. Regardless of the level of injury or suffering, it is typically only possible to recover against the defendant\u2019s policy limits.<\/p>\n

Unfortunately, we see countless cases where the defendant\u2019s insurance simply is not enough to cover our client\u2019s needs. Experienced attorneys know to look for a few alternative courses of action in addition to the defendant\u2019s insurance policy.<\/p>\n

If your medical bills and necessary recovery amounts exceed the policy limits in your case, you have additional options. Some of which include:<\/p>\n

    \n
  1. Health Insurance Coverage \u2013 those victims with health insurance coverage can typically use it to pay medical expenses. Many times, however, health insurance companies require they be reimbursed from the recovery amount once that is determined.<\/li>\n
  2. Medical Provider Negotiations \u2013 in some situations, victims are simply facing excessive medical bills following an accident. In the event that health insurance and policy limits do not cover those bills, it is sometimes possible to negotiate with health insurance providers. Low payment plans and discounted rates have been agreed upon in the past, as long as you have dedicated legal representation fighting on your side.<\/li>\n
  3. Underinsured Motorist Coverage<\/a> \u2013 if you cover UM coverage on your insurance policy, it is possible to recover against that amount once the defendant\u2019s limits have been exhausted.<\/li>\n<\/ol>\n

    We urge all Georgia drivers to ensure their automobile insurance policy limits are at a level that will cover any injured victims in the event of a crash. The minimum limits in Georgia simply are not enough. For more information about Georgia insurance policy limits and a customized recommendation on the level of coverage you should have, call Jones & Swanson today at 770-427-5498.<\/p>\n","protected":false},"excerpt":{"rendered":"

    Many victims of auto accidents face a battle even if the are able to recover the maximum limits of the defendant’s auto insurance policy. Underinsured motorists are common on Georgia roadways, so here are some tips to protect yourself in the event of a crash caused by an uninsured or underinsured motorist.<\/p>\n","protected":false},"author":2,"featured_media":1092,"parent":801,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"hc_faqs":[458],"class_list":{"0":"post-2168","1":"page","2":"type-page","3":"status-publish","4":"has-post-thumbnail","6":"hc_faqs-general","7":"entry"},"acf":[],"yoast_head":"\nHow Insurance Policy Limits Can Affect My Case | Jones & Swanson<\/title>\n<meta name=\"description\" content=\"How Insurance Policy Limits Can Affect My Case: Jones & Swanson, with 45+ years of experience and millions recovered. 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