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What to Know About Getting Sued Beyond Policy Limits

By Connecticut Personal Injury Attorney on May 12, 2017

Whether due to car collisions, slip and falls, medical malpractice, etc., personal injury-type accidents happen every day, and many of them result in substantial injuries. Unfortunately, if you are the one found “at fault” for the incident, you could find yourself facing a significant financial burden. While you may have insurance for situations just like this, it doesn’t always mean that your insurance will be enough to cover the damages. In this case, the threat of being sued beyond your policy limits becomes a serious risk.

How Can I Get Sued for More Than What My Insurance Covers?

This is a question that comes up quite often because most people believe that as long as they are insured, they have nothing to worry about. The truth is that your insurance coverage doesn’t limit what you can be sued for personally.

In certain circumstances, the injured person might feel that he or she deserves more compensation than what your policy limits cover. In turn, they can bring a lawsuit against you for additional restitution. This generally happens when the person who is responsible for the incident does not carry a high enough liability limit to take care of all the expenses associated with the injury.

What Happens When an Insurer Acts in Bad Faith?

While you can be sued beyond your policy limits, there is one instance where your insurance company, not you, has to cover the damages. Because your provider has an obligation to act in your best interest, they must do what they can to settle a claim within the policy limits you carry. If they fail to do this, it is recognized as acting in bad faith. If an insurer is found to have acted in bad faith, this makes them liable to pay the entire monetary award to the injured party regardless of how much it exceeds your limits.

How Lawsuits Can Be Prevented

Knowing that your insurance provider will not pay any more than the maximum amount they’re accountable for as determined by your policy limits, you should think carefully about how much coverage you purchase. Although it may cost you a bit more in monthly premiums to set higher limits, in the long run it can prevent lawsuits from happening—and save you a considerable amount should you find yourself at fault for causing someone else’s injuries. Just because minimum liability requirements are set in place doesn’t mean that they are your best option.

Connecticut Personal Injury Attorneys Are Here to Help

The Connecticut personal injury lawyers at Naizby Law are experienced in a wide variety of cases and have seen how liability limits can negatively impact an injured party’s ability to recoup expenses for a smooth recovery. If you or a loved one needs help with a personal injury case, contact our office at (203) 245-8500 to schedule a consultation.

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For over 20 years, John has exclusively represented people (not corporations).

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