When a driver causes an automobile accident that causes more damage than their insurance policy can cover, that driver can still be held personally liable for the remaining balance. Many negligent drivers do not have the personal resources necessary to pay these amounts, so you will want to make sure you are working with an experienced attorney who can help identify all possible liable parties, which will increase your chances of a successful recovery. The lawyer will also be able to determine every legal avenue they can use to hold a negligent party accountable when insurance maximums have been reached.