Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: May 17, 2012

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Insurance Question from Blairsville, GA

Asked on 05/17/2012

Can I be held responsible for any money that my insurance company dont pay for vehicle or medical bills if I am at fault in an accident I was charged with failure to yeild and caused 2 more vehicles to be totaled. 5 people were in the accident besides my car but all walked away refusing medical attention. now there are 5 medical claims against my insurance company. Wlill I be responsible for any moneys my insurance company dont pay

Answer given on May 18, 2012

If you were at fault in an auto accident and there were injuries to the other parties, your insurance company will investigate and work out settlements with the other parties, up to your bodily injury liability limits. The insurance policy usually has an amount that will be paid to one party and then a total amount that will be paid for all injuries. If the liability limit is not enough to pay for all injuries, then the insurance company will usually divide the total amount amongst all of the claimants.If the amount of insurance coverage is not enough, the other parties could come after you for any additional money they seek. They would have to sue you and there would have to be a trial to determine whether the additional money is deserved. Unless the injuries were extensive, the other parties (and/or their attorneys) may decide it is not worth the effort to collect additional money from you directly.


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