1. Understand the Issue
* Policy Limits: It's possible the at-fault insurance company has a limit on how much they'll pay out per accident, and they've already reached that limit with the other vehicles involved.
* "Per-Accident" Limits: Some policies have a limit on the total amount paid out per accident, regardless of how many vehicles are involved.
* Underinsured Coverage: Your own insurance policy might offer underinsured motorist coverage (UIM). This is designed to cover your losses if the other driver's insurance limits aren't enough.
2. What to Do
1. Review Your Policy: Carefully read your own insurance policy to see if you have underinsured motorist coverage. Determine the coverage limit and if there are any deductibles.
2. Contact Your Insurance Company: Explain the situation and ask if your UIM coverage applies.
3. File a Claim: If your policy includes UIM, file a claim with your insurance company as soon as possible. They will handle the negotiations with the at-fault driver's insurer.
4. Negotiate with the At-Fault Insurer: While your own insurance may handle negotiations, you can still work with the at-fault insurer. Be polite but firm, and document everything.
5. Consider Legal Counsel: If your claim is denied or you feel the insurer isn't treating you fairly, consult with a personal injury attorney. They can help you understand your rights and options.
Important Considerations:
* Documentation: Keep thorough records of all communication, repair estimates, and any other relevant documents.
* Time Limits: Be aware of deadlines for filing claims and appeals.
* Be Prepared: This process can take time, so be patient and persistent.
Remember: It's important to act quickly and stay organized. It may feel unfair that the at-fault insurer is trying to avoid paying your claim, but you have rights as a policyholder, and there are options available to you.
