Can the injured party collect from their insurance and the liable party insurances to compensate injuries and damages sustained. Can you make the liable party insurance pay all three parts of the policy or do they only settle for the BI and nothing else

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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: Nov 8, 2018

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Insurance Question from Cullman, AL

Asked on 11/08/2018

Can the injured party collect from their insurance and the liable party insurances to compensate injuries and damages sustained. Can you make the liable party insurance pay all three parts of the policy or do they only settle for the BI and nothing else Liable party- baisc LiabilityInjured party -full coverageCollect from both to compensate injured partyCollect all parts of basic policy by liable party to satisfy I juries

Answer given on November 12, 2018

If you are in an accident that is not your fault, and you are injured, the other party’s insurance company should pay for your injuries, up to the limits of the policy.  Your insurance policy may include coverage for bodily injury, but it is usually considered “excess coverage”.  This means they pay for any injuries that are excess of what the other insurance company will pay.  If the limits for the other party have hit the maximum, then your policy may pay over that amount up to its lmits.  The other insurance company will also pay for damages, again up to the policy limits of their policyholder’s limits.  If you carry uninsured/underinsured coverage for property damage, you may be able to collect for any additional damages.  Talk to your agent or insurance company to understand how they will respond if the other party’s policy limits are hit and cannot pay anything further.


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