An issue that commonly arises in the wake of a serious car accident is discovering that your damages are so extensive that it surpasses the limits of available automobile insurance coverage. When a car accident victim learns there may not be enough insurance coverage, they become concerned that they will not be able to obtain sufficient financial restitution for their harms and losses.

According to the California Department of Motor Vehicles (DMV), all motorists in California must obtain a liability policy to ensure that coverage is available if they cause an accident. California requires the following minimum mandatory liability coverage:

  • $15,000 for injuries per person;
  • $30,000 for injuries per accident; and
  • $5,000 for property damage.

Three Options to Obtain Financial Restitution

If you were seriously injured in a car accident in California, your damages may be more than the at-fault party’s policy limit. In such a situation, there are usually three options available for seeking compensation after an auto accident:

  • A Lawsuit Against the At-Fault Party: You may be able to collect financial restitution beyond the policy limit directly from the at-fault party. Though, this option is only viable in limited cases. In addition, it is usually very difficult, as they may have little, if any, personal assets from which you can actually collect any financial restitution.
  • A Claim Under Another Insurance Policy: You can file a claim with multiple insurance policies instead of just a single policy. If multiple parties bear liability for your accident, you can bring claims against multiple insurers. In addition, if you have uninsured and underinsured motorist coverage (UM/UIM), there is a viable path to additional compensation through your own insurance policy.
  • A Bad Faith Lawsuit Against the Insurer: There are certain instances in which you can sue an insurance company for damages beyond the policy limit. For example, if your initial policy limit claim was delayed or denied in bad faith, the insurer could end up being liable for the full extent of your damages, even if those damages are more than the policy limit.

Injured in an Accident? Contact an Experienced Personal Injury Attorney in Los Angeles at the Law Office of Ramtin Sadighim Today

Accidents do happen, unfortunately, and if you or a family member has been injured in a car accident, where insurance coverage limits are an issue contact the experienced and reputable personal injury attorneys in Los Angeles at The Law Office of Ramtin Sadighim to ensure your rights are protected. Our experienced team of solutions-focused, professionals understand the hardships a car accident can cause, and we are here to help. For further information or to schedule a free consultation please contact The Law Office of Ramtin Sadighim at 888-999-8744 or visit to learn more.