Understanding Policy Limits & Personal Injury Claims in Georgia


Yes. There are 3 additional ways that you can attempt to pursue compensation beyond insurance policy limits:

  • By suing multiple liable parties
  • By taking advantage of umbrella policies (when someone is covered by multiple insurance companies)
  • By filing a direct lawsuit and removing the insurance company from the equation

In this blog post we explore these three different options in greater detail.

When someone is hurt in any sort of accident, filing a personal injury claim against the liable party will be necessary in order to collect compensation for medical bills, lost wages, and pain and suffering damages. In an ideal situation, the wrongfully injured will get as much compensation as is needed and end up not losing a dime due to the whole ordeal. However, there is one factor in all cases that can put a damper on things and a hard cap on how much the injured can collect: insurance policy limits.


When you purchase accident or liability insurance, the insurance carrier should inform you of the policy limit. Put simply, the policy limit is the maximum amount the insurance company will pay out in the event you do something wrong and get sued for liability. Policy limits are in place for both out of court settlements and jury verdicts or judge?s awards.

For example: A driver has an insurance policy limit of $25,000. An accident causes $30,000 in damage. In the event of a payout, the insurance company will only provide $25,000. The remaining $5,000 will not be paid by that insurer, no matter where liability lies.


In most states, insurance companies of third parties liable for your accident do not have to tell you where the policy limit lies until it is reached, either in settlement or a jury verdict. This can be a bit of a headache as you might strive to collect as much as you need only to find out the limit is much lower than expected. Georgia pays favor to plaintiffs by allowing them to know the at-fault party?s policy limit. The injured party can request to know the limit within the first 60 days after the accident or collision, and the insurance party must comply.


An insurance policy limit is a significant road block in a personal injury claim but it is not entirely unpassable. While you cannot compel an insurance company to pay beyond its preset liability limit, there are other ways to collect excess damages.

Three methods might be possible to receive more damages than the liable party?s insurance policy allows:

  1. Multiple defendants: You can sue multiple liable parties, and each one will be limited by their own policy limits. You cannot collect more than the total amount deemed fair or necessary, no matter how many parties are found liable for your damages.
  2. Umbrella policies: Sometimes one defendant will be covered by multiple insurance companies who all have an interest ? and liability coverage policy ? in the case. This is known as umbrella policies and generally comes up when you are filing a claim against someone employed or represented by a corporation, such as a truck driver.
  3. Direct lawsuits: If you want to go beyond an insurance policy limit, you will need to take the insurance company out of the picture. You can file a lawsuit directly against the liable party who caused the accident, like the driver in a car accident. This will be difficult, though, as most individuals in such situations simply do not have the funds to pay for your damages on their own, and any winning judgment will be uncollectible.


An insurance policy limit might act as a barrier of sorts to how much compensation you can collect in a single personal injury claim or lawsuit, but it should not deter you. When you are injured by the reckless, negligent, or malicious actions of another party, you must take action and hold them accountable.

Visit his bio to learn more about his experience serving those who have been injured in the state of Georgia.

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Low Impact Car Accidents Can Still Cause High Levels of Injuries

When it comes to?car accidents, people often assume that?catastrophic injuries?will only occur when the crash is particularly violent or occurs at a high speed. While these factors certainly increase the chances of someone suffering major or permanent injuries in a collision, they are not absolutely necessary for that to be the outcome. The truth is that many low impact car accidents will cause people to suffer high level or severe injuries.

Types of serious injury that can be experienced in a low impact car accident include:

  • Whiplash:?A sudden stopping motion or an impact from behind can cause a person?s neck to snap forward and backwards quickly. This motion is known as whiplash, and it is a common consequence of rear-end accidents. Symptoms include strong pain in the neck, chronic headaches, and difficulty sleeping. Whiplash will rapidly worsen if not diagnosed and treated in a timely manner.
  • Brain injury:?It does not take much force at all to cause a brain to rock against the inside of the skull, resulting in bruising or bleeding of the brain. A low impact car accident can easily cause this serious injury, especially if the victim hits his or her head against a side window, steering column, or dashboard. Symptoms of brain injuries and concussions vary greatly but often include nausea, severe head pain, inability to focus, and unconsciousness at the time of the accident.
  • Back or spinal cord injury:?Spines that are tweaked just the wrong way can be permanently damaged, resulting in paralysis. Car accidents of any speed may result in a strong amount of force being applied to a passenger?s or driver?s back, causing an injury. Symptoms for back injuries are often obvious, including soreness, stiffness, and total paralysis.

Some of the most serious injuries occur in pedestrian accidents, or when a car strikes a person walking or riding a bicycle. Since a vehicle is made of dense metal and can easily weigh thousands of pounds, a low speed impact will still exert an extreme amount of force on an individual struck directly.


Have you or a loved one been injured in a low impact car accident? To fight for maximized compensation that considers the full extent and cost of your injuries, you will want to work with Ross Moore II, P.C. and our lawyer. We have earned a number of impressive?case results?and appreciative?client testimonials?due to our dedication, focus, and attention to a client?s comfort and wellbeing as a case progresses. See what we can do for you today by?contacting us?for a free consultation.