{"id":47245,"date":"2024-08-16T15:34:20","date_gmt":"2024-08-16T19:34:20","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?post_type=resources&#038;p=47245"},"modified":"2025-05-29T14:15:37","modified_gmt":"2025-05-29T18:15:37","slug":"what-happens-when-a-car-accident-claim-exceeds-insurance-limits","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/what-happens-when-a-car-accident-claim-exceeds-insurance-limits","title":{"rendered":"What happens when a car accident claim exceeds insurance limits?"},"content":{"rendered":"\n<p>Car insurance is designed to protect you financially in the unfortunate event of an accident. But what happens when a car accident claim exceeds an insurance limit? Here\u2019s what you need to know about coverage limits and how to protect yourself and your family.&nbsp;<\/p>\n\n\n\n<div class=\"home-resources-orange-border\" style=\"width:100%;\"><strong>Table of Contents<\/strong> <ul style=\"list-style-type: padding-left:10px;\"><li style=\"color:#00; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#limit\">What is a car insurance limit?<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#coverage\">Coverage for you and your vehicle<\/a><\/span><\/li><li style=\"color:#00; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#pip\">Personal Injury Protection and Medical Payments coverage<\/a><\/span><\/li><li style=\"color:#00; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#comp\">Collision and Comprehensive coverage<\/a><\/span><\/li><li style=\"color:#00; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#bi\">Liability coverage<\/a><\/span><\/li><li style=\"color:#00; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#um\">Uninsured and Underinsured Motorist coverage<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#conclusion\">Conclusion<\/a><\/span><\/li><\/div>\n\n\n\n<a id=\"limit\"><\/a><h2 style=\"margin-bottom:0px;\">What is a car insurance limit?<\/h2>\n\n\n\n<p>A car insurance limit refers to the amount your insurance company will pay up to in the event of a claim. You choose your coverage limits when you buy your car insurance policy.&nbsp;&nbsp;<\/p>\n\n\n\n<p>A limit doesn\u2019t mean that your insurance company will pay this amount for every claim. For example, if the necessary expenses from a claim are lower than the limit, your insurance company will cover the costs. Likewise, if the costs relating to a claim exceed the limit, the insurance company will pay up to the limit and no more.&nbsp;<\/p>\n\n\n\n<p>In most states, there are minimum car insurance coverages and minimum limits you must satisfy. However, these limits are typically low and may not be enough to cover your expenses or liability in the event of a claim. It\u2019s never a good idea to carry just the minimum coverage, as you can exhaust your limits quickly if you get into a car accident.&nbsp;<\/p>\n\n\n\n<p>The higher the limit, the more the insurer will pay in the event of an accident. Carrying lower limits can reduce your premium payments, but it comes with some risk. With lower limits, you\u2019ll be responsible for higher out-of-pocket costs in the event of an accident.&nbsp;<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"coverage\"><\/a><h2 style=\"margin-bottom:0px;\">Coverage for you and your vehicle<\/h2>\n\n\n\n<p>What happens when a claim exceeds your limits depends on the coverage. Here are some scenarios for common car insurance coverages:&nbsp;<\/p>\n\n\n\n<a id=\"pip\"><\/a><h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Personal Injury Protection and Medical Payments coverage<\/strong><\/h3>\n\n\n\n<p>No-fault insurance states will require one of either Personal Injury Protection (PIP) or Medical Payments coverage (MedPay). These are coverages that pay for medical and other expenses regardless of fault for all occupants of your vehicle after a car accident.&nbsp;<\/p>\n\n\n\n<p>With PIP or MedPay, you can go through your own insurance for medical expenses first. This is the case even when you\u2019re not at fault for the accident. If your medical bills exceed your coverage limit, you may be able to sue the other driver.&nbsp;&nbsp;<\/p>\n\n\n\n<p>If it\u2019s determined you were at fault for the accident, you would be responsible for any of your medical expenses beyond what your own PIP or MedPay will cover.&nbsp;<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"comp\"><\/a><h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Collision and Comprehensive coverage<\/strong><\/h3>\n\n\n\n<p>Collision and Comprehensive coverages help pay for repairs to your car. Your collision coverage applies if a collision with another vehicle or stationary object damages your car. Comprehensive applies when your car is damaged by anything else, including weather, vandalism, theft and more.&nbsp;<\/p>\n\n\n\n<div style=\"border:1px solid #0092D2; margin-bottom:15px; margin-top:15px;\"><table style=\"margin-bottom:0px;\"><tr><td style=\" \n background-color:#0092D2; border-color:#ffffff; color:#fff; padding:10px 15px 10px 15px; text-align: center; width:50%;\"><strong>Collision coverage may cover:<\/strong><\/td><td style=\" \n background-color:#0092D2; border-color:#ffffff; color:#fff; padding:10px 15px 10px 15px; text-align: center; width:50%;\"><strong>Comprehensive coverage may cover:<\/strong><\/td><\/tr>\n\n<tr><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Hitting another vehicle\n<\/td><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Natural disasters and storms<\/td><\/tr>\n\n<tr><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Damage caused by another vehicle\n<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Vandalism<\/td><\/tr>\n<tr><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Hitting a stationary object\n<\/td><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Damage caused by animals<\/td><\/tr><\/table><\/div>\n\n\n\n<p>Rather than a limit, Collision coverage and Comprehensive coverage have a deductible. A <a href=\"\/resources\/what-is-a-deductible-in-car-insurance\">deductible is your share of the cost<\/a> in the event of a claim. It\u2019s what you pay \u201cout-of-pocket\u201d before your insurance starts paying.&nbsp;<\/p>\n\n\n\n<p>While you do not choose a limit for Collision or Comprehensive coverage, insurance companies will not pay for repairs that exceed the fair market value of your car. If it costs more to fix the car than what the car is worth, or if the car was stolen and not recovered, insurance companies will declare the car a <a href=\"\/resources\/what-happens-when-an-insurance-company-totals-a-car\">\u201ctotal loss\u201d<\/a>. The insurance company handling the claim will offer you a settlement check for the value of your car at the time of the loss. You may have to pay your deductible in this case.&nbsp;<\/p>\n\n\n\n<p>If you choose to accept the settlement check, you must sign over the title of the vehicle. The insurance company will then take ownership of it.&nbsp;<\/p>\n\n\n\n<p>An insurance company will pay no more than what the car is worth at the time of the total loss. If you owe money on the car, you will still have to make payments on it. A totaled car doesn\u2019t get you out of a loan or lease contract. This could be financially significant if your car is totaled soon after purchase.&nbsp;<\/p>\n\n\n\n<p>That\u2019s where Gap coverage or New Car Replacement coverage from Plymouth Rock can help. Loan\/Lease Gap coverage protects you from having to make payments on a totaled car. It covers the \u201cgap\u201d between what you paid for the car and what it was worth.<\/p>\n\n\n\n<p>If you have New Car Replacement, we will pay the cost of replacement for the same make, model and year of your car, if available, if you experience a total loss and your car was two model years old or less at the time of the accident.<\/p>\n\n\n\n<p>Please note you can\u2019t combine Loan\/Lease Gap coverage with New Car Replacement coverage.<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"bi\"><\/a><h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Liability coverage<\/strong><\/h3>\n\n\n\n<p>Bodily Injury Liability coverage helps pay&nbsp;in the event you are liable for the accidental injury or death of others caused by the operation of your car. Simply put, if you\u2019re liable for injuring someone in an accident, your Bodily Injury Liability coverage helps pay for their medical expenses.&nbsp;<\/p>\n\n\n\n<p>Likewise, Property Damage Liability coverage helps pay for damage to someone\u2019s property you are liable for.&nbsp;<\/p>\n\n\n\n<p>If the injuries or damage you\u2019re liable for exceeds your liability coverage limits, you are legally responsible for the excess.&nbsp;&nbsp;<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"um\"><\/a><h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Uninsured and Underinsured Motorist coverage<\/strong><\/h3>\n\n\n\n<p>Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage can pay for your medical expenses and car repairs if you\u2019re struck by a motorist without insurance coverage, or by a motorist with limits that do not cover the injuries or damage they cause. Hit-and-run drivers are typically considered to be uninsured motorists.<\/p>\n\n\n\n<p>In the case of an underinsured driver, your Underinsured Motorist coverage will start paying for expenses after the at-fault driver exhausts their liability coverage.&nbsp;<\/p>\n\n\n\n<p>Unfortunately, many people who drive uninsured or with the minimum limits do so because they can\u2019t afford more coverage. It is unlikely you would be able to recover expenses from them if they cause a crash, especially if it\u2019s a hit-and-run situation. In this case, the only practical solution would be for you to have carried higher limits on UM, UIM and PIP\/MedPay coverage as a precaution.&nbsp;<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"conclusion\"><\/a><h2 style=\"margin-bottom:0px;\">Conclusion: How to protect yourself<\/h2>\n\n\n\n<p>One of the best ways to protect yourself when you\u2019re out on the road is to carry more coverage. While each state has a minimum coverage limit, these minimum limits mean just that: minimum coverage. The minimum coverage may not cover your own bills, or be enough to cover your liability if you cause an accident.&nbsp;<\/p>\n\n\n\n<p>That\u2019s why it\u2019s so important to carry more than just the required coverage types at the minimum limits. With your own coverage, you don\u2019t need to worry if the other driver has coverage. While no one can predict the exact outcome of an accident, you can be better prepared when you know you\u2019re covered.&nbsp;exact outcome of an accident, you can be better prepared when you know you\u2019re covered.&nbsp;<\/p>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"36610\" class=\"elementor elementor-36610\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ee649ab elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ee649ab\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4c502b6\" data-id=\"4c502b6\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-21697f5 post-margins post-link-class elementor-widget elementor-widget-html\" data-id=\"21697f5\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p style=\"margin-bottom: 0px;\"><strong>Now let\u2019s talk about you<\/strong><br \/>\nDo you have the right coverage for your vehicle? We\u2019d love to chat with you about it. Call us at <a href=\"tel:1-800-516-9242\">800-516-9242<\/a> or speak to a <a href=\"https:\/\/www.plymouthrock.com\/find-an-agent\">local agent<\/a>. \n<br \/><br \/>\nIf you\u2019d rather not talk, you can <a href=\"https:\/\/buy.plymouthrock.com\/esales\/entry\/start?PLF_Code=HIPT&amp;iRefid=Website&amp;iRefclickid=Copy_Link\">get a quote<\/a> quickly and easily online. Just enter your ZIP code to get started and see how much you could save!\n<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Learn more about car insurance limits, and what happens when a car accident claim exceeds insurance limits.<\/p>\n","protected":false},"author":6,"featured_media":47248,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","inline_featured_image":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":""},"products":[71],"state":[79,83,80,81,82,84],"class_list":["post-47245","resources","type-resources","status-publish","format-standard","has-post-thumbnail","hentry","products-auto","state-ct","state-ma","state-nh","state-nj","state-ny","state-pa"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.8 (Yoast SEO v25.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What happens when a car accident claim exceeds insurance limits<\/title>\n<meta name=\"description\" content=\"Are you aware of your car insurance policy limit? 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