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If your losses from a car accident exceed the other driver's insurance limits, you have a closing window in which to file a lawsuit and pursue additional compensation. Under Florida Statutes, you have four years from the accident to file suit against any at-fault parties.
In Florida, it is often possible to recover more compensation than your auto insurance policy limit following a car accident. The key to obtaining more than the limits of your own policy is to hold the at-fault party responsible for your accident injuries and damages.
You sustained a ?Serious Injury? as defined in Article 51 of the New York State Insurance Law; or. You sustained economic loss in excess of basic economic loss; typically, this means that you have sustained more than $50,000 in combined medical and lost wage payments.
You might be wondering, how often do auto accident settlements exceed the policy limits in Florida? Unfortunately, receiving compensation beyond available insurance policy limits is uncommon.
The statute of limitations in New York for a personal injury action, including those involving car accidents, is three years. The timeline begins running on the date the accident occurred. However, there are certain circumstances under which the statute of limitations may be much shorter.
How Auto Accident Settlements Exceed the Policy Limits? A car accident settlement can exceed policy limits. However, the insurer may not pay more than the threshold outlined in the policy. Therefore, the defendant or another party may be personally liable for the auto accident settlement amounts over the policy limit.
New York Is a No-Fault Insurance State In our state, after an auto accident, each driver's auto insurance policy will cover their own personal injury damages (but not pain and suffering), regardless of who caused the crash. The same no-fault rule applies to injured passengers too.
In Florida car accidents, the at-fault party may be liable for the rest of the compensation or the victim's damages if the cost is higher than the insurance limit.