Sometimes it is possible to recover more than the driver’s policy limits. However, you need a lawyer to carefully analyze the circumstances to determine whether other assets exist that can be used to pay your settlement.
For example, a driver might have another insurance policy that will cover them in an accident. Often, people have umbrella insurance policies that will provide additional coverage in the event of accidents. Even if the driver’s car insurance has a $25,000 liability maximum per permission, their umbrella coverage might provide considerably more. One benefit of working with an experienced attorney after a car crash is that they can uncover all applicable insurance policies, thus increasing the amount of compensation available.