Given how destructive and costly car accidents can be, you might hope that insurance companies would cover the full extent of the harm their policyholders cause. After all, the purpose of car insurance is to help injured drivers and passengers pay for their injuries and damaged property after a crash. Unfortunately for accident victims, auto insurance companies are for-profit enterprises that make money by taking in more in premiums than they expend by paying claims. In other words, they won’t offer an injured claimant a penny more than they have to according to the terms of their contract with the policyholder. While this fact certainly makes sense for their shareholders, these policy limits can create significant headaches for drivers and passengers trying to take care of themselves after a crash.