What happens if my injuries exceed the other driver's $50,000 bodily injury limit?

"I was injured in an accident and my medical bills are worth at least $50,000, possibly more. I think the other driver only had $50,000 in bodily injury liability.

What happens once that limit is exhausted? Will I still get my medical bills covered? "

Answer
“The purpose of bodily injury liability is to cover any injuries to another party when a driver is at fault. If that limit is exhausted, insurance companies typically won’t pay more money on top of that.
If you have uninsured/underinsured motorist coverage or medical payment coverage, these could help cover your remaining medical costs.
Underinsured motorist coverage provides coverage if your expenses exceed an at-fault party’s insurance. Medical payments coverage also provides you with financial support for injuries in the event of an accident.
If you have health insurance, it will normally provide coverage for anything that car insurance doesn’t cover.
If you still have medical bills to pay after going through your health insurance, you may need to negotiate with the other driver’s insurance company. Depending on where you live, you may also have the ability to negotiate for pain and suffering. “
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Emily Maracle
Answered on May 20, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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