Q: Doesnt the responsible partys insurance cover all of my damages?
A:Unfortunately, not all drivers possess valid insurance policies. It is not uncommon that another driver involved in an accident may be uninsured for reasons such as unpaid insurance premiums or driving a vehicle without the owner’s permission. Secondly, the insurers will only pay for the damages for which their driver is legally responsible and up to the limit of the insurance company. These limits can be as low as to not allow for the full coverage of incurred damages. Consequently, the insurance company only pays a fraction of what the damages are worth.