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What to Do if Medical Bills Exceed the Insurance Limit After an Accident?

Personal Injuries / December 23, 2023

If you have sustained injuries in a Missouri car accident due to someone else’s negligence, the liable party’s insurance policy is responsible for your medical bills. However, in some cases, the at-fault party may be underinsured, uninsured, or have a policy that does not cover the entire cost of your medical bills. Our compassionate lawyer at Hollis Law Firm understands this can be a stressful experience, so we are here to help you achieve fair compensation, even if it exceeds the insurance limit.

Depending on the unique circumstances of the accident, you may still recover damages through uninsured and underinsured motorist coverage, an umbrella policy, or by collecting it directly from the liable party. Regardless of your situation, our dedicated lawyer listens to your story and creates a customized plan that gives you the best chance of achieving the compensation you deserve. With our years of experience and unbeatable comprehensive legal services, you can focus on recovery with the peace of mind that your claim is in the right hands.

How to Recover Compensation if Your Medical Bills Exceed the Liable Party’s Insurance Limit

In some personal injury claims, the at-fault party’s insurance policy does not cover the cost of the victim’s medical bills. While this can be stressful, it doesn’t mean you will have to pay them yourself. The following options may help you secure fair compensation:

Contact an Experienced Lawyer

One of the first steps to take if the at-fault party’s insurance does not cover all your medical bills is to contact the seasoned lawyer at Hollis Law Firm. We understand the state and federal laws that apply to these cases and the best path to a successful outcome. From investigating and gathering evidence to negotiating and, if necessary, taking your claim to court, you can trust us to manage your claim so you can have a stress-free, smooth recovery.

Underinsured Motorist Coverage

If your medical bills exceed the liable party’s insurance policy because they are underinsured or do not carry Missouri’s minimum liability coverage, you may recover these costs from your own insurance policy. You can add underinsured motorist coverage to your car insurance to help pay your expenses if the at-fault party’s policy is insufficient. 

Umbrella Policy

If the at-fault party is a large corporation or is wealthy, they may have an umbrella policy that kicks in when the original policy reaches its limit. This may allow you to collect full compensation for your medical bills, even if they exceed the underlying policy’s limit. We can help ensure this policy applies to your claim before settling it.

Direct Collection

If the liable party’s insurance policy does not cover all your medical bills, but they have a high net worth, we may help you seek compensation from them directly. While this can be a more complicated option, our passionate lawyer understands how to navigate this process and fiercely advocates for your rights every step of the way.

Seek Legal Guidance From the Knowledgeable Personal Injury Lawyer at Hollis Law Firm

The aftermath of an accident and sustaining injuries from someone’s negligence can be overwhelming, and you may worry about recovering costs of medical bills, especially if the liable party’s insurance coverage is insufficient. Fortunately, our experienced lawyer at Hollis Law Firm can help you understand your options and ensure insurance adjusters act in good faith.

When working with us, you receive the guidance you need from the beginning. This allows you to fully focus on recovery instead of worrying about covering costs and dealing with insurance adjusters. To schedule a free consultation, call us at (800) 701-3672 or fill out our contact form.