if auto insurance limits are too low, can I go after home owner’s insurance?

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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: Apr 2, 2012

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Insurance Question from Milton, WV

Asked on 04/02/2012

if auto insurance limits are too low, can I go after home owner’s insurance? i live in west virginia and was rear ended in west virginia by a driver from texas. I was permanently injured from the accident. the other driver's insurance claimed 100% liability but he only has state minimum liability. this will not be enough to cover my permanent physical damages. can I also sure his home owner's insurance, or do I have to go to civil court to sue him directly?

Answer given on April 03, 2012

Homeowner insurance does not offer any insurance protection involving an automobile accident. If the other party does not have enough auto insurance to pay for your injuries, you shoiuld see if your insurance has uninsured motorist coverage. If not, your only choice is to sue the other party


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