Exceeds the Policy’s Limits If you file an insurance claim that exceeds the other driver’s policy limits, you have a few options for recovering additional compensation. Filing Claims with the At-Fault Driver’s Other Insurance Policies Some drivers have a supplemental insurance policy if they cause losses beyond what their standard policy covers. The insurance industry calls these policies “umbrella policies.” If the other driver has an umbrella policy, you can file another claim to pursue more compensation. Filing a Lawsuit Against the Driver If the other driver’s insurance policy does not cover all your losses, you can file a lawsuit and go after the other driver’s personal property. However, drivers with low policy limits typically do not have many assets you can seize in a lawsuit. Pursuing Claims with Additional Defendants You may file an insurance claim against anyone who contributed to your injuries in a car accident. If the other driver’s insurance is not enough to cover your losses, you can file a claim against another party and their company. For instance, a second driver might have contributed to the crash, or an automaker might be partly liable for your injuries if a defective part played a role. Using Your Own Insurance Coverage You can use your insurance coverage to pay for your injuries after an accident. However, you may have to pay a deductible or a percentage of your medical bills. In addition to your PIP benefits, your policy may include medical payments coverage you can use. If you have uninsured or underinsured motorist coverage, you can use that coverage to bridge the gap between the other driver’s insurance and your losses. Finally, your health insurance may help you pay for medical treatment after a crash.