What to Do When Your Insurance Coverage Falls Short in a Lawsuit
                     What Happens if Someone Sues You for
More Than Your Insurance Covers
Life can be unpredictable, and accidents are inevitable. You could be involved in an
incident,  such  as  an  auto  or  bicycle  accident,  which  may  lead  to  severe  injuries,
financial strain, and emotional trauma. The worst-case scenario is being sued for more
than  your  insurance  covers.  It's  a  situation  that  nobody  wants  to  be  in,  but
unfortunately, it does happen. 
If you find yourself in this precarious situation, it is essential to understand your options
and seek the assistance of a personal injury lawyer in Sacramento. An experienced
attorney can help you navigate the legal system and protect your rights. They can also
advise you on the best course of action based on the specific circumstances of your
case. Let’s dive in!
What if You Are Sued for More Than Your Insurance 
Policy Covers?
It's imperative to note that if someone sued you for more than your insurance covers,
your  insurers  would  only  cover  up  to  the  policy  limits.  For  instance,  if  you  have  a
$50,000 policy limit and you're sued for $100,000, your insurance company will  only
pay up to $50,000. You'll be responsible for the remaining $50,000.
In some cases, you may be able to negotiate a settlement with the plaintiff that is less
than  the  amount  they're  asking  for.  It  can  be  done  through  mediation  or  direct
negotiations with the plaintiff's attorney. Your auto accident lawyer in Sacramento
can help you with this process. However, if you can't reach a settlement and the case
goes  to  trial,  you  must  prepare  a  strong  defense.  Engage  a  lawyer  to  review  the
evidence against you and devise an effective defense strategy tailored to your unique
case. 
What if You Are Found to Be at Fault for the Accident?
If  you're  found  liable,  and  the  other  party's  compensation  amount  surpasses  your
insurance  limit,  you'll  be  accountable  for  paying  the  outstanding  damages.  It  can
include medical expenses, lost wages, pain and suffering, and other damages! If you fail
to pay these damages, the plaintiff may be able to garnish your wages or place a lien on
your property. It can impinge on your quality of life and long-term financial stability.
Since it can be a significant financial strain, taking the case seriously and doing the
needful is critical to protect yourself.
While, in some cases, it  may be possible to file for bankruptcy if  you can't pay the
damages,  this  should  only  be considered as a last  resort,  as it  can have long-term
consequences for your credit score and financial future.
The Importance of Seeking Legal Counsel From an 
Experienced Lawyer
Whenever  you  find  yourself  in  this  situation,  contacting  a  reputable  auto  accident
lawyer  as  soon  as  possible  should  be  your  first  step.  An  experienced  attorney  will
evaluate  the  circumstances  surrounding  the  incident,  gather  evidence,  and  provide
sound advice on the best approach to minimize your exposure to financial risk. 
Moreover,  there  are  many  experienced  attorneys  to  choose  from,  whether  you're
looking for an auto accident lawyer or a Sacramento Boating Accident Lawyer. Just
be sure to select an attorney with experience in the specific area of law that applies to
your case.
More importantly, if you're facing a lawsuit for more than your insurance covers, stay
calm and take the necessary steps to protect yourself.
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