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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? "
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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.
“
View full answer
- Gregory R.
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