Licensed in Missouri and Kansas

Insurance Limits in Crashes with Multiple Cars

Car crashes sometimes involve more than two cars. Pileups can happen on the highway or a wreck at an intersection can involve cars coming from both directions. If these wrecks are caused by one car, those injured may have their recoveries severely limited by the at-fault driver’s insurance policy.

Liability car insurance is limited to the amount of available coverage the at-fault driver buys. There’s a limitation on the amount of money any one person can recover on the policy, but there’s also a limitation on the amount of coverage for a wreck no matter the number of cars involved. For example, if someone has liability insurance limits of 25/50, they have limitations of $25,000.00 per person and $50,000.00 per wreck. If only one person gets hurt in a wreck caused by a driver with this coverage, that person is limited to $25,000.00 in compensation from that driver. If there are multiple people hurt in a wreck caused by that driver, than the total amount of money all of the insured people can recover is limited to $50,000.00. If four people were hurt in that wreck, then they would have to somehow split $50,000.00 between them.

Because of this limitation, in car crashes with multiple injured people, it is vital for each person to make their claim as soon as possible. It’s first come, first served when it comes to these types of limits. If someone’s been badly hurt in a pileup, but waits years to make their claim, they may find that the at-fault driver has no more insurance to pay their loss.

If you’ve been hurt in a pileup or multi-vehicle crash, please contact our office as soon as possible to be sure you make your claim before coverage runs out.