Only people who are uninsured or underinsured must worry about this question. Many people are in one of these two categories. Roughly 28 million drivers have no insurance. Maybe twice as many are underinsured. In most states, drivers must only have about $100,000 of per-accident coverage. That’s nowhere near enough to pay economic damages in a catastrophic injury case, to say nothing of emotional distress and other noneconomic losses.
If you don’t have insurance and you cause a wreck, you could be personally responsible for all the victim’s economic and noneconomic damages. If you’re underinsured, you could be personally responsible for the uninsured balance. Assume Thelma hits Louise, causing $200,000 in damages. Thelma only has $100,000 per-accident coverage. Thelma could be personally responsible for the remaining $100k, unless another party is vicariously liable (more on that below).

Difficult times like a car accident or divorce cause a lot of emotional stress. These situations are complicated emotionally, financially, and legally. Attorneys experienced in these challenging situations know how to negotiate without emotion. They use their years of experience to know when to push and when to compromise.

Difficult times like a car accident or divorce cause a lot of emotional stress. These situations are complicated emotionally, financially, and legally. Attorneys experienced in these challenging situations know how to negotiate without emotion. They use their years of experience to know when to push and when to compromise.

Difficult times like a car accident or divorce cause a lot of emotional stress. These situations are complicated emotionally, financially, and legally. Attorneys experienced in these challenging situations know how to negotiate without emotion. They use their years of experience to know when to push and when to compromise.