The Hidden Reason Your Car Accident Settlement Might Be Lower Than You Deserve

You could do everything right after a car accident—go to the hospital, follow up with doctors, hire a lawyer—and still walk away with less compensation than your injuries are worth. Why? Because of something most accident victims never think about until it’s too late: insurance policy limits.

At SELPH LAW, we’ve represented clients across Ohio who suffered major injuries only to discover the at-fault driver’s insurance wasn’t enough to cover the true cost of their losses. If you’ve been seriously hurt in an accident, here’s what you need to know about how insurance policy limits can affect your settlement—and what we can do to fight for more.

📞 Call (614)-453-0971 now for a FREE case review.

What Are Insurance Policy Limits?

Every Ohio driver is legally required to carry minimum auto insurance coverage:

$25,000 per person for bodily injury

$50,000 per accident

$25,000 for property damage

That means if you’re hit by a driver with only minimum coverage, $25,000 might be the most you can recover—even if your medical bills, lost wages, and pain are worth hundreds of thousands.

How This Affects Real People Like You

Let’s say you’re in a serious crash. You break your leg, need surgery, miss work for months, and suffer long-term pain. Your total damages could be $100,000 or more.

But if the at-fault driver has only $25,000 in coverage, and no personal assets to go after?

That might be all you get—unless you know how to fight back.

3 Ways to Get More Than the At-Fault Driver’s Policy Limit

✅ 1. Stack Coverage with Your Own UM/UIM Policy

If you carry uninsured/underinsured motorist (UM/UIM) coverage, you can file a claim with your own insurance to make up the difference.

Example: If the at-fault driver has $25k and you have $100k in UIM, we can potentially recover up to $100,000 total for you.

✅ 2. Find Additional Liable Parties

We dig deep to see if other parties share blame:

Was the driver working? Their employer may be liable.

Was a commercial vehicle involved? These often have $1M+ policies.

Was a bar responsible for overserving a drunk driver? That opens the door to a dram shop liability claim.

✅ 3. Sue the At-Fault Driver Personally

If they have assets worth pursuing—like property, investments, or business interests—we can file a lawsuit directly against them.

Why Policy Limits Matter Most in Serious Injury Cases

In minor fender benders, $25,000 might cover your bills. But if you have:

Broken bones

Surgeries or hospital stays

Long-term disability

Traumatic brain injuries (TBI)

Spinal cord damage

Then policy limits become the ceiling on what you can recover—unless your legal team knows how to break through it.

What You Can Do Right Now to Protect Your Case

1️⃣ Get medical care immediately—it documents the seriousness of your injuries
2️⃣ Don’t accept any settlement offer without talking to a lawyer
3️⃣ Call SELPH LAW to investigate the policy limits, your own coverage, and other avenues of compensation

📞 (614)-453-0971 | Free consultations | No fee unless we win

SELPH LAW Fights for Full Compensation—Not Just What Insurance Offers

Insurance companies want to settle for the lowest possible amount. We don’t let that happen. At SELPH LAW, we:

✔️ Investigate every liable party
✔️ Fight insurance denials and delays
✔️ Pursue every available policy
✔️ Maximize your recovery through expert negotiation and litigation

Final Word: Don’t Let Policy Limits Define Your Future

If you’ve been seriously injured in a car accident in Ohio, the last thing you want is to settle for less than you need to recover and move on. Let SELPH LAW fight for every dollar you deserve—no matter what the policy says.

📞 Call (614)-453-0971 now or visit SELPHLAW.COM to schedule your FREE case review.

The Hidden Reason Your Car Accident Settlement Might Be Lower Than You Deserve

The Hidden Reason Your Car Accident Settlement Might Be Lower Than You Deserve

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