It is common for the value of someone’s auto accident case to exceed applicable insurance policy limits. This is because many drivers in Louisiana have car insurance policies with only the minimal required 15/30/25 liability limits An auto insurance policy that affords more protection might have a liability coverage limit of 100/300/100, which means $100,000 per person, $300,000 per accident in bodily injury liability and $100,000 per accident for property damage liability. It’s ideal for drivers to have full protection in their auto insurance policies, but this is not often the case. Premium protection auto insurance generally includes coverage limits of 250/500, meaning the driver is covered for bodily injury liability up to $250,000 per person and $500,000 per accident. If a car accident settlement exceeds the policy limits—whether those limits are quite high or unfortunately low—you should already be working with a personal injury attorney to decide on what steps to take to pursue full compensation for your damages.